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Anthem Bronze Essential (+ Incentives) AI is a 2026 Individual and Family HMO documented in an Indiana Summary of Benefits and Coverage. The SBC lists a $0 overall deductible and states that the plan does not have an out-of-pocket limit. In-network primary care, specialist visits, preventive care, diagnostic tests, imaging, and the listed prescription drug tiers are shown at no charge. Routine out-of-network services are generally not covered, although emergency services are treated differently. The plan has service limits for certain benefits, including inpatient rehabilitation, home health care and skilled nursing. The monthly premium is provided separately and must be confirmed for the applicant’s location and eligibility.
$0 overall deductible and $0 cost sharing for many listed in-network services; no annual out-of-pocket limit.
The main distinction of this plan is its $0 deductible and no-charge cost sharing for many listed in-network services. However, the absence of an annual out-of-pocket limit is a significant consideration: members should not assume their covered expenses have the usual annual cap. Routine out-of-network care is generally not covered, and some services have annual or other limits. The cited SBC is specific to Indiana and does not establish availability elsewhere. Check the full policy, provider network, prescription formulary, eligibility and premium before enrollment.
Elevance Health
Key Insights
Founded
1944
Elevance Health was established 82 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
0% CSR, calculated as a 3-year average
Elevance Health settles 0% of all claims it receives.
Network Hospitals
9000+
Elevance Health has a network of 9000+ hospitals, ensuring wide accessibility and convenience for policyholders.
The 2026 Indiana SBC lists a $0 overall deductible.
The deductible amount does not mean every service or provider is covered; benefit terms and exclusions still apply.
The SBC states that an out-of-pocket limit is not applicable because the plan has no out-of-pocket limit.
This is a material limitation. Do not describe the plan as having an annual maximum on member expenses.
In-network primary care visits are listed at no charge.
Virtual visit benefits are also available under the cited SBC.
In-network specialist visits are listed at no charge.
The SBC states that a referral is not required.
In-network preventive care, screening, immunization, diagnostic tests and listed imaging services are shown at no charge.
Confirm that a service qualifies as preventive and review the full policy for any applicable limits.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Elevance Health plans and claim process
The 2026 Indiana SBC lists a $0 overall deductible.
No. The SBC says an out-of-pocket limit is not applicable because the plan does not have an out-of-pocket limit.
Yes. In-network primary care visits are listed at no charge in the cited SBC.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Elevance Health website before purchasing.
Contact Details
1-833-401-1577
Headquarters: 220 Virginia Avenue Indianapolis, IN 46204 United States
Official Website
elevancehealth.com
Visit the official Elevance Health website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Yes. In-network specialist visits are listed at no charge, and the SBC says a referral is not required.
The listed in-network generic, preferred brand, non-preferred brand and specialty tiers are shown at no charge in the SBC, subject to plan terms and the applicable drug list.
The SBC does not state the premium. Request an official quote based on location and eligibility.