Blue Cross and Blue Shield offers a wide array of health insurance coverage to choose from. There are traditional plans with a doctor’s office copay, health savings account qualified plans, as well as those that cover maternity.
Maternity coverage provided by Anthem will typically have a waiting period to deliver, not conceive a child. In Ohio for instance, the waiting period is only nine months to deliver a child with Anthem. You cannot already be pregnant however and then purchase this insurance.
There are also several affordable health insurance plans offering differing amounts of benefits. The Lumenos HSA, Core Share and Smart Sense coverage are popular for those who desire comprehensive coverage, but also want lower monthly premiums. All plans include preventive care not subject to your deductible as required by law.
Anthem also offers short term health insurance to fill gaps of up to six months. The coverage can be paid for one month at a time and cancelled when it’s no longer needed.
It is important to understand that short term health plans are not a good substitute for traditional permanent coverage. Unless you know that you will have coverage in the near future, it is often wise to purchase a permanent plan and pay month to month.
You can also add dental insurance to most health coverage. There are three to choose from that offer a varying amount of benefits. The Dental Blue Essential 100 is most popular.
Term life insurance from Anthem is yet another option. There are three plans to choose from and the cost will vary based on your medical history, age, gender and location. Life insurance is available in $15,000, $25,000, and $50,000 increments.