More choices, more options, more ways to save

Get the most out of your plan

No matter what doctor you choose, these plans pay a percentage of your eligible medical expenses after you meet an annual deductible. However, you’ll save the most when you use doctors or hospitals in our PPO network.

• SmartSense PPO Plans - One of our lowest priced plans with solid protection to cover the essentials (no maternity)
• PPO Share Plans - Comprehensive plans- Ideal for families with young children

What’s a HMO Plan?

HMO (Health Maintenance Organization) health plan benefits include the following:

• The ability to choose a Primary Care Physician (PCP) from our HMO network.
• Set copays for doctor visits, so you always know what you're going to pay.
• Maternity benefits and prescription drug coverage. Ideal for growing families.

What makes Lumenos HSA plans different?

You’re in control

Lumenos plans focus on keeping you healthy while giving you more control over your health care decisions and dollars. Plus the HSA (Health Savings Account) plan adds an opportunity for tax savings.

• Designed to help you lower your out-of-pocket health expenses while improving your health and wellbeing.
• Focus on preventive care with no deductible for things like physical exams and health screenings.
• Feature online tools that help you make better health care decisions, estimate costs of care, maintain your health and much more.