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Anthem Blue Cross, Blue Shield - Lumenos HSA Standard | Term Insurance Brokers | Haymarket, VA

Anthem Lumenos HSA Standard Guaranteed Health Insurance is licensed as an independent broker for Anthem Blue Cross/Blue Shield of Virginia.  Our Anthem agent ID code is A00597-0385. 

Anthem has two plans that are guaranteed-issue with no health questions asked - Virginia Standard and Lumenos HSA Standard.  Both plans require a 12-month waiting period for pre-existing conditions.  These plans are designed for those who are otherwise medically ineligible for coverage.  If you are in good health, you should consider one of Anthem's underwritten plans (Premier, SmartSense, CoreShare, and Lumenos HSA Plus).

Click here to download the product brochure describing benefits for Lumenos HSA Standard.

Anthem Lumenos HSA Standard benefits include:

Deductibles – Choice of $1,500, $3,000, and $5,000 deductibles for individuals.  Choice of $3,000, $6,000, and $10,000 deductibles for families. 

Co-insurance - 80% after deductible on $1500 and $3000 deductibles, 100% after deductible on $5000 deductible.  Maximum out of pocket expense is $5000.

Office Visits – Subject to deductible and then paid either 80% or 100% by Anthem depending on your deductible level.  Unlimited visits.

Lifetime Maximum - Unlimited

Preventative Care – No charge when using in-network physicians

Prescription Drugs – Brand name and generic both covered, unlimited benefit.  Subject to deductible and co-insurance.

Professional & Diagnostic Services – 20% or 0% co-insurance after deductible (depending on deductible chosen).  These include but are not limited to x-rays, lab work, anesthesia, surgeon, etc.

Inpatient Services – 20% or 0% co-insurance after deductible.  Overnight hospital or facility stays.  

Outpatient Services – 20% or 0% co-insurance after deductible.  Services without overnight stays.

Emergency Room Services
– 20% or 0% co-insurance after deductible

Maternity – Maternity benefits available for an additional $71.00 per month on deductibles of $3000 or higher.  Six month waiting period for maternity benefits to be payable with the optional rider.  Subject to deductible and co-insurance.

Rates for this plan are not available online - to get a quote for Anthem Lumenos HSA Standard, please call us at 1-800-571-2980 between the hours of 9 AM and 9 PM eastern time or e-mail us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it 24 hours a day.  You can also click the banner at the top or bottom of the page to apply online or get quote for other Anthem plans. 

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