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What you need to know about the Anthem Blue Cross Lumenos HSA plans, and Health Savings Accounts.

Anthem Blue Cross Lumenos HSA plans offer you a way to pay less for insurance, reduce taxes, access high quality health benefits, and save for future medical expenses with a Health Savings Account (HSA). HSA plans work with higher deductible health plans that reduce monthly insurance costs. Instead of paying insurance companies for benefits that often times aren’t used, you pay less each month and can make tax deductible contributions into an HSA that can be used for medical expenses or earn interest Tax-Free until you retire (2010 contribution maximums are $3,050 for individuals or $5,950 for families).

Increasingly, individuals and families are considering Lumenos health insurance policies with higher deductibles than traditional policies. Sometimes, employers are asking their employees to enroll in these plans, either as an option or the only health insurance plan available to employees.

In 2003, federal legislation removed the limitations on MSAs (Medical Savings Accounts),and re-named them “Health Savings Accounts.” HSAs are now available to any individual or family with HSA-qualified health insurance. There are no limitations on who may have an HSA based on income or employment status. However, dependent children may not have their own HSA accounts but may be covered by the HSA of their parents. In December, 2006, additional changes were made to the HSA program that allowed for increased account funding opportunities.

2010 HSA Limits: The Treasury Department and IRS issued new guidance on the maximum contribution levels for Health Savings Accounts (HSAs) and out-of-pocket spending limits for High Deductible Health Plans (HDHPs) that must be used with Health Savings Accounts (HSA). These amounts have been indexed for cost-of-living adjustments for 2010.

The new 2010 levels are as follows:

- Individual: $3,050

- Family: $5,950

Changes in Plan limits: The maximum annual out-of-pocket amount for Individual High Deductible Helath Plan (HDHP) coverage increases to $5,950 and the maximum annual out-of-pocket amount for HDHP family coverage is twice that, $11,900. Minimum Deductible Amounts for HSA-Compatible HDHPs for 2010 is $1,200 for Individual coverage and $2,400 for family coverage.

Additional Lumenos benefits:

- Allowing people to take their health savings accounts with them if they move from job to job.

- Raising contribution limits and allowing for a one time transfers from IRA accounts.

- Allowing a contribution up to an annual limit of $3,050, regardless of the deductible for their insurance plan.

Lumenos HSA plans have some of the industries most comprehensive preventive care services, which happen to be covered at 100% before your deductible.

Preventive Care covered at 100% · Eye chart vision screening (Full vision exams not included) · Hearing screening · Cholesterol and Lipid screening · Blood Glucose test to screen for Type II Diabetes · Prostate Cancer screenings (PSA test) · Breast exam and Mammography screening · Pelvic exam, Pap test and contraceptive management for females · Screening for Sexually Transmitted diseases (STD) · HIV test · Bone Density test for osteoporosis · Colorectal Cancer screening, Barium Enema, Flexible Sigmoidoscopy and screening Colonoscopy · Routine Blood and urine screenings

Immunizations: · Hepatitis A · Hepatitis B · Tetanus, Diphtheria (Td) · Varicella (chicken pox) · Influenza (flu shot) · Pneumococcal Conjugate (pneumonia) · Humana Papilloma Virus (HPV) · Measles, Mumps, Rubella (MMR) · Meningococcal Polysaccharide · Herpes Zoster (shingles)

Anthem Lumenos health plans are a great choice if you are looking for an HSA qualified health plan. Contact an independent authorized agent for more details.

I have been assisting clients for over 20 years in the Health Insurance
and Medicare Supplement market.

I live in Sacramento with my wife and three children, and offer my services throughout California, Nevada and Colorado. When I’m not busy helping clients, I’m usually fixing my kids flat tires, helping with homework, or fighting with my backyard vineyard.

and do you have a roster chart or is it a set amount. How much is enough for 11 year old girl?

I was having problems with my kids asking/begging/whining for money whenever we would go out shopping. They would ask for things that were inexpensive but after you have bought 10 inexpensive items it adds up. So I started the allowance plan below:

My kids get $5 per week payable at the end of the month in the form of a $20 bill. They think this is great and are learing to spend their money wisely.

I no longer buy any impulse items for them. I tell them to bring their money when we head out the door.

It has been really interesting to see their “wants” change. Now they really think about what they want, are able to save up a few months allownace for what they want, or sometimes they just plain decide that they don’t need soemthing as much as they thought. My kids have each also started a savings account. They have about $325 saved between the two of them.

It works!

P.S. If chores are not done – no allowance.

sam sparro – Pocket – Chart Audio Hits 08-12