Customer Review - Blue Cross Blue Shield of Michigan

Avoid Lumenos

I am not a fan of this insurance. At the beginning of the year $500 is put into your health account - once this is used up you begin the "bridge" ($600) which means you have to pay out of pocket until you have spent $600, then it switches to 80/20 co-pay. My problem is with my allergy meds & shots I use up the $500 by spring and can't afford my meds for the rest of the year. It's hard enough being single and trying to pay my bills without adding the $600 "bridge" in. It's great for people who never go to the doctor or never have prescriptions. I've also heard a lot of complaints from co-workers who have kids about how expensive it is for them also.