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Anthem Health Insurance Connecticut
Health insurance and health insurance quotes for Connecticut on this site are available from Anthem for individuals and families.           

Anthem Blue Cross and Blue Shield of Connecticut provides health coverage as follows:
Anthem Blue Cross and Blue Shield of Connecticut provides health coverage as follows:


Which Anthem Connecticut health plan Is right for you?

    BlueCare Direct (HMO)

BlueCare Direct is a health maintenance organization (HMO) plan. That means benefits for covered services are available when you use any of the nearly 4,000 doctors, hospitals and other health professionals that are part of the plan network in Connecticut.  

Century Preferred Direct (PPO

Century Preferred Direct is a preferred provider (PPO) health plan. That means you can receive the highest level of benefits when you use any of the 5,000 physicians and other health care professionals in the plan’s network. Benefits are also available for care delivered by health providers that are not part
of the network, however benefits are often lower and your out-of-pocket costs will be greater. 
 

  Century Preferred Direct
The Basics – how your coverage works 
This comparison chart lists the benefits that would apply for each person on the policy. Your choice of deductible will affect your premium.  
 
If you are looking for family coverage, please look at the family deductible. Once your family meets two times the individual deductible, no additional deductible amount will be due for that benefit period. (However, no one person can contribute more than their individual deductible amount to
the family deductible.) 
In-Network 
PPO Network of Providers. No gatekeepers or referrals 
 
Century Preferred Direct 80/20 PPO 
Century Preferred Direct 100 PPO 
Deductible Choices 
$250/$500 
$1,500/$3,000
$5,000/$10,000
$10,000/$20,000 
Out-of-State Benefits 
Yes 
Yes 
Out-of-Network Benefits 
Yes – subject to higher coinsurance 
Yes – subject to higher coinsurance 
Lifetime Maximum Benefit3 
$5 million 
$5 million 
The Details – the benefits and your share of the cost 
Covered Services - In-Network 
(Member is responsible for coinsurance amounts below after the policy deductible unless otherwise noted) 
 
Century Preferred Direct 80/20 PPO 
Century Preferred Direct 100 PPO 
Preventive Care 
(including routine physicals) 
20% coinsurance after deductible 
0% coinsurance after deductible 
Office Visits 
20% coinsurance after deductible 
0% coinsurance after deductible 
Specialist Visits 
20% coinsurance after deductible 
0% coinsurance after deductible 
Lab/X-Ray 
20% coinsurance after deductible 
0% coinsurance after deductible 
Diagnostic Services 
(MRI, MRA, CAT, CTA, PET and SPECT) 
20% coinsurance after deductible 
0% coinsurance after deductible 
Outpatient Surgery 
(in a hospital or surgical-center) 
20% coinsurance after deductible 
0% coinsurance after deductible 
Hospitalization 
20% coinsurance after deductible 
0% coinsurance after deductible 
Emergency Room 
20% coinsurance after deductible 
0% coinsurance after deductible 
Vision Care 
$20 copay per visit 
$20 copay per visit 
Prescription Drugs 
Optional Coverage Available: $10 copay for generic drugs; $25 copay for Listed Brand Drugs; $40 copay for Non-listed Brand Drugs; $2,000 maximum per calendar year; Not subject to deductible. 
  

Lumenos® Health Incentive Account (HSA) Plan

 Our portfolio of Lumenos® plans offers three choices for individuals and families. You decide which one works best for you. The Lumenos® Health Savings Account (HSA) Plan is funded by your own contributions, which may be tax-deductible. It gives you an account called a Health Savings Account, or HSA, which you can use to pay for medical care and prescriptions; and which may lower the amount you have to spend out of your pocket. 

  Lumenos® HSA Plan
The Basics – how your coverage works
This comparison chart lists the benefits that would apply for each person on the policy. Your choice of deductible will affect your premium.  
If you are looking for family coverage, please look at the family deductible. Once your family meets two times the individual deductible, no additional deductible amount will be due for that benefit period. (However, no one person can contribute more than their individual deductible amount to the family deductible.) 
Deductible Choices 
Individual/Family
$1,250/$2,500
$2,500/$5,000*
$5,000/$10,000
Per covered person, per calendar year. Applies to services in- and out-of network combined 
Out-of-State Benefits 
Yes 
Out-of-Network Benefits 
Yes – subject to higher coinsurance 
Lifetime Maximum 
Unlimited In-Network; $1,000,000 Out-of-network 
The Details – the benefits and your share of the cost
Covered Services - In-Network 
Preventive Care
(including routine physicals) 
No cost to member 
Office Visits
No charge after deductible* 
Specialist Visits
No charge after deductible* 
Lab/X-Rays
No charge after deductible * 
Diagnostic Services
(MRI, MRA, CAT, CTA, PET, and SPECT) 
No charge after deductible* 
Outpatient Surgery
(in a hospital or surgi-center) 
No charge after deductible* 
Hospitalization
Office Visit, Outpatient Hospital, Inpatient Hospital 
No charge after deductible* 
Emergency Room
No charge after deductible* 
Maternity Care
Not covered 
Prescription Drugs
No charge after deductible* 
*Lumenos HSA $2,500 has two coinsurance options for in-network services; 80% or 100% coverage after deductible. You’ll pay 20% after deductible if you select the 80% option.


 Anthem Blue Cross and Blue Shield is the trade name for the following:
 

  In Colorado:  
Rocky Mountain Hospital and Medical Service, Inc.
   Learn More >>
  In Connecticut:  
Anthem Health Plans, Inc.
   Learn More >>
  In Indiana: 
Anthem Insurance Companies, Inc.
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  In Kentucky: 
Anthem Health Plans of Kentucky
   Learn More >>
  In Nevada:  
Rocky Mountain Hospital and Medical Service, Inc.
   Learn More >>
  In Ohio:
Community Insurance Company.
  Learn More >>
  In Wisconsin:
Blue Cross Blue Shield of Wisconsin BCBSWi and Compcare
Health Services Insurance Corporation Compcare. 		  Learn More >>
 
Independent licensees of the Blue Cross and Blue Shield Association
Serving residents and businesses in Indiana, Kentucky, Missouri, Ohio, Wisconsin, Colorado, Nevada, Connecticut, Maine, New Hampshire and Virginia (excluding the city of Fairfax, the town of Vienna and the area east of State Route 123)

   Learn More >>
 

  
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 The quotes generated by this program are not a contract, binder, or agreement to extend coverage and are based on the listed factors and the applicable underwriting criteria for the rate shown. The exact premium can only be determined after an underwriting review and may be different or the policy may not be available. Your information is only shared with the  company underwriter and never distributed in any other way. 

All health insurance definitions defined here are to be understood as being general definitions.  These definition may vary by insurance company and may be found in the company policy or certificate of insurance. Not all products from all companies are available in all states.