Understanding High Deductible Health Plans - About Plans Tab - Main Content
What is consumer driven health care?
It’s an approach to health care that puts you and your employees in charge. By pairing comprehensive, low-premium plans with tax-advantaged funding accounts, consumer driven health plans offer your business several benefits:
How does it work?
Health plan coverage Preventive services are covered in full, while other services require employees to pay a deductible and coinsurance.
Employee responsibility Employees are responsible for paying a deductible up to a certain amount, as well as a percentage of cost, called coinsurance – but are protected by an out-of-pocket maximum.
Funding account The employee funding account, which may be funded by the employee (with tax-free dollars), employer, or both, helps reduce out-of-pocket expenses for the employee.
Greater control Employees have more control over how their account dollars are spent – with a wide range of qualified medical expenses.
With a HDHP, preventive services are covered in full. For other services, you pay a deductible up to a certain amount, depending on the plan chosen by your employer. After you reach the deductible, you pay a percentage of cost but are protected by an out-of-pocket maximum.
All of our high deductible health plan options offer:
Understanding High Deductible Health Plans - Plan Options Tab - Web Content
More plan for less – take a look at our plan options
You can choose from a variety of products that offer:
Great coverage with no referrals
Incentives for employees to live healthier
Improved employee productivity
Our new auto enroll HSA option
ActiveUnivera® - a comprehensive health plan featuring ActiveRewards - a wellness incentive program that pays employees to live healthier - up to $1,000 cash back per family*. Learn more about ActiveUnivera.
valUcare™- With valUcare, you can give your employees an affordable health insurance option that provides them with great coverage. Learn more about valUcare.
Qualified HDHPs now have an auto enroll HSA - making using these plans even easier. We automatically enroll all participants into a Health Savings Account (HSA) – at no additional cost. So your employees can enjoy all the bene?ts of this tax-free account, without the usual hassles of setting one up.
Ask about our new Auto Enroll HSA Plan
This new plan option makes it easy to enroll your members in a high deductible health plan and health savings account. Your employees will enjoy the benefits of the tax-free savings account without the hassle of setting up the account. View Our HSA BrochureOpen a PDF
Understanding High Deductible Health Plans - Engage Employees Tab - Web Content
Employee Communications Plan
Communication is the key to engaging employees in consumer driven health plans. Here you will find communication tools to help members:
Understand how a consumer driven health plan works