Page 9 - Adreima Enrollment Guide
P. 9
Adreima
What is a Consumer Driven Health Plan
(CDHP)?
Here are the Basics of How CDHPs Work
Except for preventive services and certain preventive prescriptions,
you pay for 100 percent medical and prescription drug services until
you meet the plan’s annual deductible. Note: you have one deductible
to satisfy for both medical and prescription drug services.
After that, you share the medical costs and prescriptions with the
company until you reach your out-of-pocket maximum amount for
the year. Note: you pay the network discounted rate when services
are rendered by in-network providers.
Once you reach your out-of-pocket maximum amount, the insurance
plan will pay all of your costs; you pay nothing more for the
remainder of the plan year.
Why do we have a CDHP?
CDHPs encourage individuals to become more active in making
healthcare decisions. The actual cost of services under a CDHP has
more impact on you than under traditional plans. Under traditional
plans, you often just pay a lat dollar copay and may not realize the
actual costs of your doctor’s visits and prescriptions. A CDHP puts
you in the driver seat and in direct control of how much you spend
on your healthcare costs.
9
What is a Consumer Driven Health Plan
(CDHP)?
Here are the Basics of How CDHPs Work
Except for preventive services and certain preventive prescriptions,
you pay for 100 percent medical and prescription drug services until
you meet the plan’s annual deductible. Note: you have one deductible
to satisfy for both medical and prescription drug services.
After that, you share the medical costs and prescriptions with the
company until you reach your out-of-pocket maximum amount for
the year. Note: you pay the network discounted rate when services
are rendered by in-network providers.
Once you reach your out-of-pocket maximum amount, the insurance
plan will pay all of your costs; you pay nothing more for the
remainder of the plan year.
Why do we have a CDHP?
CDHPs encourage individuals to become more active in making
healthcare decisions. The actual cost of services under a CDHP has
more impact on you than under traditional plans. Under traditional
plans, you often just pay a lat dollar copay and may not realize the
actual costs of your doctor’s visits and prescriptions. A CDHP puts
you in the driver seat and in direct control of how much you spend
on your healthcare costs.
9
