Consumer Directed Health Care

consumer directed health care

Activating your employees to be health-smart consumers

Consumer-Directed Health Plans help you hold down health plan costs by giving you choices that let you control the amount set aside for employee benefits. Employees have choices, too, and the flexibility to use their medical dollars wisely – with the added support of online consumer health tools that provide transparency to compare medical cost, quality and value.

Choosing a financial arrangement

Consumer-Directed Health Care is an effective combination of a High-Deductible Health Plan (HDHP) and a financial component, such as a Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) or Flexible Spending Account (FSA). The two-part combination helps you control the benefit costs, and your employees control medical spending.

HSA-Compatible HDHPs

High-Deductible Health Plans offer comprehensive coverage after certain copays, deductibles, coinsurance and other out-of-pocket expenses have been met.

Learn more about HSA-Compatible HDHPs

 

HSA/HRA/FSA

These financial arrangements enable you and/or your employees to set aside pre-tax and tax-deductible dollars for approved health care expenses – such as copays, deductibles, coinsurance and prescriptions.

Learn more about HSA/HRA/FSA

For more information on CDHC health plans, contact your agent/broker or a BlueCross BlueShield of Tennessee representative at 1-800-565-9140.