California Health Insurance Quotes
Find the Best Health Insurance Plans and the Cheapest Rates
California Health Insurance Agent Matt Lockard
Hi, I'm Matt Lockard, and I enjoy helping California residents find the best health plan for their needs at the cheapest rates available. I am an Independent California Health Insurance Agent and an authorized agent for the following companies:
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When you enroll in our Lumenos HSA plan, you’ll get:Health Savings Account (HSA)An account funded by your tax-free contributions to use on qualified medical expenses and prescriptions. Others may also contribute to your HSA. Qualified medical expenses are defined by Internal Revenue Code Section 213(d).- You may use available HSA funds first to pay the cost of covered medical expenses and prescriptions.
Unused funds rollover year-to-year. - Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
- Plus, get 100% coverage for nationally recommended preventive care services with no deduction from your HSA and no out-of-pocket costs to you if you see an in-network provider.
Traditional Health Coverage- A comprehensive health plan providing added protection for you and your family after you have met your plan’s annual deductible.
- Traditional Health Coverage begins after you have used your HSA balance (if you choose to use HSA funds to pay for covered services) and paid a limited amount out-of-pocket – called your Bridge – needed to satisfy your plan’s annual deductible.
- Your total expenses are limited to a maximum amount each year, after which you receive 100% protection for covered services.
- Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Personalized Services and Tools- We provide you with online tools and personalized resources to help you live a healthier life.
- Use our ProviderFinder online directory to find doctors and hospitals that participate in our network.
- Find tools to help you stay healthy, manage a health condition and prepare for a surgical procedure. Also make comparisons on quality and find cost information for medical services and prescription drugs.
- Track your account activity, claims and benefits.
- Get personalized help managing a condition from a health coach if you qualify.
- Talk to registered nurses about minor health concerns on our 24/7 NurseLine.
The above information does not constitute legal, tax, or benefit plan design advice. Anthem strongly encourages consultation with a tax advisor before establishing a Health Savings Account. Any Health Savings Account will be established between the individual account holder and the HSA custodian or trustee. Anthem is responsible for the administration of the health plan, and the custodian is responsible for the administration of the HSA.
Your HSA with MellonThe Lumenos HSA Plan includes account servicing for your HSA through Mellon Trust of New England. While you are not required to use Mellon for your HSA, the features and services included with the Mellon HSA were designed to meet all of your HSA needs.Key FeaturesThe Mellon HSA provides many useful features, tools and services for your HSA.a single point of contact for health plan and HSA customer service a single online health site to access your benefits and HSA details competitive interest rates and investment options for your HSA funds Interest and InvestmentsYou will earn interest on your HSA funds and will also have the opportunity to invest your funds once your HSA balance reaches $3000. Investment options include seven different mutual funds from the Dreyfus family of mutual funds. Once you are ready to invest, you can request a prospectus for each fund for more details.Debit Cards and CheckbooksUse your MasterCard® debit card or your HSA checkbook to pay your health care provider directly for eligible medical expenses, or to access cash from your account.One Stop Customer ServiceContact an Anthem Customer Service Advocate for help with your health plan and HSA questions. You can also logon to the online health site and visit the My Account page to find answers to many of your questions like “What is my HSA balance?”Account Activity StatementsEach month you will receive an HSA Monthly Statement from Mellon that shows all of your account activity. You will also receive a 1099 form and a 5498 form near tax time so you can file your taxes.HSA Welcome KitAfter you enroll in your Lumenos HSA Plan with Mellon, your HSA account with Mellon will automatically be established – a separate application for your HSA is not required. Soon after enrollment, you will receive an HSA Welcome Kit with all of the banking documentation and instructions for how to activate your HSA. To activate your HSA, you’ll need to complete a simple signature process – online or by mail.Health Savings Account Fee and Rate ScheduleThe following administration and banking fees apply to the HSA with Mellon Bank:Administrative feesBanking fees applyMonthly account fee $2.95 Debit card transactions no charge - Check writing no charge
- ATM transactions $1
- Card replacement fee $5
Check reorder $10 - Non-sufficient funds $25
Stop check service $25 Duplicate check $5