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Apply for Anthem Health Insurance

Most of the Anthem Blue Cross health insurance plans are "open access". This means you can visit any doctor in the provider network, without the need to get a referral from your primary doctor first. There are 3 different types of health plans with Anthem Blue Cross. 1. HMO Plans, 2. Upfront Deductible Plans, 3. HSA Compatible Plans.

1. HMO Plan: There is 1 Anthem HMO plan referred to as BlueCare Direct. This is the only Anthem plan that provides benefits for maternity and pregnancy, and has low copayments for doctor visits and prescriptions. This medical plan has larger payments for hospital stays and outpatient surgery. There are 2 Prescription Plans available: $500 per year or $2000 per year. View Plans, Rates, and Quotes here

2. Up front Deductible Plans: There are 4 Deductible Plans referred to as Century Preferred Plans. There are 2 types: the 80/20 plan and the 100 plan. These plans have a calendar year deductible that must be met before the plan pays for medical care. Once you have paid the "up front deductible" and coinsurance, you have 100% coverage for doctors, hospitals, and medical services. View Plans, Rates and Quotes here

• 80/20 Plan: 1 plan is available with or without prescription benefits. See benefits and rates

• 100 Plan: 3 plans are available with or without prescription benefits. See benefits and rates

3. HSA Compatible Plans: are called Lumenos Plans. These plans are like the up front deductible plans above, but have 2 differences.
1.The yearly deductible does not apply to specific preventative care.
2 .The yearly deductible must be met before the plan pays for prescription drugs. See benefits and rates