Consumer Driven Health Plans (CDHP’s)

CDHP’s are designed to do more, and allow the consumer more control of their total healthcare expenses. Good health is something to work on all the time. Whether you have a long-term condition, a temporary illness or even if you currently in good health, there are many things you could be doing to maintain or improve your health.

Do you want a health plan that helps you do that, then a plan that offers a Health Incentive Account may fit the bill.

These Health Incentive Plans are designed to reward the consumer, buy depositing usable health funds into your account when you meet or complete one of their REWARD PLANS.

EXAMPLE: One carrier may deposit $100.00 for a smoking creation class and another $100.00 once you complete it. This money is in your HIA account and can be used for covered benefits PRIOR to your deductible, and the best thing as they carrier over year after year. So if you have several rewards over the year and get $1000.00 in your HIA account the first year, and then maybe $400.00 the next and so one you may get to a point where you will have enough in that account to cover your deductible for the year and may not have to come out of pocket for any related expenses.

These Health Incentive Accounts are the wave of the future, and better yet a great way to control your healthcare expenses truly making these plans Consumer Driven.

Most carriers have very low monthly premiums as well for these types of plans. They often cover wellness and routine visits, vision screening and hearing screening depending on the plan and carrier.