Anthem Health Insurance Review

Anthem Inc. was created in 2004, with the merging of WellPoint Health Networks Inc. and Anthem Inc. It is a trusted health care partner and affiliated with leading health care providers Anthem Blue Cross, Anthem Blue Cross Blue Shield, Empire BlueCross BlueShield, Anthem Life Insurance, Blue Cross and Blue Shield of Georgia, and Affiliated/Specialty Companies. Anthem Inc. is one of the nation’s largest health benefits companies offering a wide portfolio of integrated health care plans and related services. It also provides a broad range of other specialty products including life and disability insurance benefits, vision, dental, behavioural, long term care insurance, and flexible spending accounts.

What’s Included with Anthem Inc. Health Insurance?

• Outpatient surgery
• Prescription drugs
• Diagnostic tests and imaging
• Immediate medical attention
• Preventive care
• Special visit and other practitioner office visit
• Primary care visit to treat an injury or illness
• Child needs (dental or eye care)
• Rehabilitation and habilitation services
• Maternity care
• Mental health, behavioural health, and substance abuse needs

*Based on BlueCross BlueShield health insurance program

Types of Health Insurance Plans

Anthem Inc.’s affiliated network offers different types of health insurance plans that fits the individual needs of their clients.

Plans Reviewed

Bronze Plan

• Out-of-pocket limit: $12,000 per individual for out-of-network providers and $6,350 for in-network providers
• Overall deductible: For inpatient services, a total of $4,400 per individual must be paid for in-network providers and $8,800 for out-of-network providers. Outpatient services amount to $6,350 for each person if the client chooses a participating provider and $12,700 for non-participating providers
• Other covered services: Chiropractic care, Weight loss program, Infertility treatment, and bariatric surgery
• No maximum annual limit for specific covered services
• Balanced-bill charges, health care, and premiums are not included in the out-of-pocket limit

Silver Plan

• No overall annual limit for some covered services
• No other deductibles for specific services
• Out-of-pocket limit: $6,00 per individual for in-network providers and $12,000 for out-of-network providers
• Other covered services: infertility treatment, bariatric surgery, chiropractic care, and weight loss programs
• Overall deductibles: A total of $1,400 per individual for in-network providers and $2,800 for out-of-network providers

Gold Plan

• Out-of-pocket limit: $5,000 per person for in-network providers and $10,200 for out-of-network providers
• Overall deductibles: $150 per person for participating providers and $300 for non-participating providers
• No maximum annual limit and other deductibles for specific covered services
• Expenses such as balanced-billed charges, health care, and premiums are not included in the out-of-pocket limit
• Other covered services: bariatric surgery, weight loss programs, infertility treatment, and chiropractic care

Platinum Plan (with dental and vision)

• Other covered services: Dental care for both child and adult, Infertility treatment, Routine eye care for adults, Weight loss programs, Bariatric surgery, Glasses for adults, and Chiropractic care
• Out-of-pocket limit: $6,000 per individual for in-network providers and $12,000 for out-of-network providers
• Out-of-limit does not include expenses such as health care, premiums, and balanced-billed charges
• Overall deductibles: None for both in-network and out-of-network providers. Does not include preventive care services.
• No annual limit on selected covered services

*Information stated above is based on BlueCross BlueShield health insurance policy

How Much Does It Save You?

Prices depend on the type of plan a customer chooses to purchase. Each company participating at Anthem Inc.’s network also provides different rates as well as coverage.

Annual Maximum

Companies included in Anthem Inc.’s network do not have an annual maximum limit on their policy. To check and know more about their policy, customers may contact the company directly through phone or via email.

Summary

Anthem Inc. offers a wide selection of health insurance plans from the nation’s leading health insurance companies. It offers cost-effective individual and group health insurance plans for budget-conscious consumers. Anthem Inc. also provides educational information for health insurance shoppers, helping them make more informed decisions when selecting the best health insurance plan for their needs.