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Anthem Blue Cross Blue Shield Review from Indiana

My health insurance plan is with Anthem, which is part of the Blue Cross and Blue Shield of Indiana. I signed up with Anthem when I began working at an Indiana university, which gives employees a menu of three choices – a high deductible plan, a standard plan or the premier plan. I chose the premier plan because of its relatively low deductible of $500 and its low annual out-of-pocket cost of $2,000. This plan costs me a little more each month, but when I weighed the costs of the monthly premiums against those for the other plans, I decided this plan was best for my circumstances.

My plan is called Anthem Blue, and it is an individual PPO plan. Co-pays on this plan are $20 for a regular visit to a doctor’s office and a percentage of other charges before the deductible or annual out-of-pocket caps are reached. In many cases, this percentage is about 20 percent, but the percentages are higher for some procedures or tests.

This health insurance also covers prescription costs with three different tiers of co-pays, depending upon the pharmaceuticals. The Tier 1 co-pay is $5 for most generic drugs; Tier 2 is $30 and Tier 3 requires a $60 co-pay. My premium is $118.00 per month, which is deducted from my paycheck before I receive it.

This premium does not include dental or vision insurance. I have those through work also, but those plans and premiums are additional. Dental is $26.78 per month and vision is $5.

I use my Anthem PPO health insurance for an annual physical, and the insurance covers it entirely, along with a mammogram and a colonoscopy.

One year, my mammogram showed an abnormality which required me to go back for extra mammogram views, an ultrasound, and a needle biopsy. For the extra procedures, I had to pay 20 percent of all costs the insurance company did not pay. Ultimately, a lumpectomy and another surgery were also required, but before those procedures were done, I had already reached my $2,000 annual out-of-pocket cap, so there was no cost to me. The second surgery even involved an overnight hospital stay, which added significantly to the cost. All these unexpected medical expenses were covered through my insurance. The money I spend each month in premiums are well worth the cost and do see a great deal of value in my Anthem policy.

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