A consumer-driven health plan (CDHP) combines a PPO health plan with a spending account, which can be funded by the employer, the employee or both. Consumer-driven plans give employees more control over how they spend their health care dollars and give them access to online resources to make more informed health care decisions.
Our CDHP includes four major components:
- Preventive care and wellness visits are paid in full for in-network services—nothing is deducted from the spending account and members don’t need to meet the deductible to enjoy these benefits.
- Spending account funds are used to pay for covered health care expenses. Money spent from this account counts toward the deductible.
- PPO benefits begin after members meet the deductible. Members have the freedom to see any doctor without a referral.
- Online resources help members increase their awareness and knowledge of health issues and help them keep track of their Health Care Account and health care expenses.