We are pleased to introduce our Individual and Small Group Lumenos Consumer Driven Health Plans (CDHPs), which help consumers play a bigger role in improving their own health. The Individual plans are effective April 1, 2007 and the Small Group plans are effective May 1, 2007.

Our plans empower consumers to be more informed about their health and their health care options, and help them save money for future health expenses. Lumenos CDHPs offer:

100 Percent coverage for recommended preventive care

Health account to help pay medical expenses

Financial incentives to reward behaviors that lead to better health (on some plans)

Traditional health care coverage with a PPO plan

Personal Health Coach for over 40 conditions

Award-winning website with tools to help manage a consumer’s health and health care dollars

We’re confident that these exciting new plans will help consumers make a choice which will fit their health care needs and budget.