More choices, more options, more ways to save

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)
• Premier PPO Plans- Comprehensive plans- Ideal for families with young children

What’s a HMO Plan?

Comprehensive Coverage for you and your family

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