| When it comes to health care decisions, the | | | | next year. |
| consumer and you should be in charge with its | | | | The Lumenos HIA is another option and in this |
| direction. You as the consumer and the recipient | | | | plan, individuals get to have the Blue Cross |
| of the health insurance from your provider should | | | | sponsored account that will pay for the |
| have a say on the healthcare and you should | | | | person’s health expenses. The funds used in |
| know the contents of the contract. Sadly a | | | | this plan are accumulated from rewards the |
| number of health insurance plan providers | | | | moment the individual participates in the wellness |
| aren’t open to this and leave almost no room | | | | programs of the provider like the weight |
| for individuals to properly control the direction of | | | | management program. |
| their healthcare. | | | | The last Lumenos program of the provider is the |
| But this time, shoppers of health insurance can | | | | Lumenos HIA Plus. It’s the Health Incentive |
| find control in the form of plans as provided for | | | | Account Plus. This comes with a bonus- an extra |
| by the Blue Cross of California. The provider | | | | $500 a year to the account. An extra $1000 for |
| named this as ‘Lumenos’ HAS and HIA | | | | families will be given. The moment the individual |
| Plans, where the HIA means Health Incentive | | | | meets the required deductible, the Lumenos plans |
| Account plan and the HAS as the Health Savings | | | | will then include 100 percent coverage for a |
| Account. This new offer from Blue Cross is | | | | number of health-related needs. Covered here |
| actually a consumer-directed plan where it puts a | | | | include the individual’s visit to his doctor, the |
| premium on your decision. Instead of the health | | | | in-patient hospital services, maternity care and |
| insurance firm making the decision for the patient, | | | | even prescription drugs. |
| it is the individual and his doctor who makes the | | | | For those individuals who get the services of any |
| health decisions and the individual is in the driver | | | | of the Lumenos plans, these individuals will be |
| seat. | | | | given access to the Blue Cross health |
| For California residents, they are offered with | | | | management website- a well known health |
| three Lumenos plans and they can enroll in one of | | | | management website. The website for all |
| the three plans. The first option is the Lumenos | | | | recipients of the Lumenos plans will be given |
| HAS and this is the Health Savings Account that | | | | access to the Nurse Advice Line which is a phone |
| let individuals save tax-free money in order to | | | | call away and can be accessed any time of the |
| pay for the medical expenses. Individuals need not | | | | day. This dedicated line can address pertinent |
| pay the taxes on the withdrawals as long as the | | | | questions from individuals. A Personal Health Coach |
| funds are spent on a qualified medical expense. | | | | Program is provided for that can assist individuals |
| Individuals earn money in this kind of plan as the | | | | in their needs. By introducing these plans, Blue |
| funds earn interest and the funds not spent for | | | | Cross of California has managed to put forward |
| the year will be carried over to the account for | | | | choices for residents in the area. |