Consumer Driven Health Plans
Understanding Your Plan
Podcasts - Consumer Directed Health Plan podcasts are now available.
Introduction to CDH Plans - This tutorial explains the basics of insurance and will help you understand CDH plans, HSAs and HRAs. This is the best place to begin if you are not familiar with how your health plan works.
In this tutorial, you will learn about consumer directed health plans and health accounts, such as Health Savings Accounts (HSAs) and Health Reimbursement Arrangements (HRAs). The IRS recently released guidance regarding how health care reform legislation affects health accounts. The guidance states that beginning in 2011 the cost of an over-the-counter medicine or drug cannot be reimbursed from a health account (HSA, HRA or FSA) without a prescription. The change does not affect insulin, even if purchased without a prescription, or eligible medical equipment or supplies that are not medicines or drugs. These changes are not yet reflected in the tutorial.
These eligibility changes will be effective January 1, 2011.
- Items that will become ineligible for health care account reimbursement without a prescription include acid controllers, cough, cold and flu medicines, pain relief medications and sleep aids.
- Items that will remain eligible for health care account reimbursement without a prescription include crutches, eye and ear care supplies, first aid dressings and supplies, insulin and other medical supplies.
For more information, read Questions and Answers from the IRS.
IRS Changes for 2011 - This document highlights and explains changes to Health Care Spending accounts for 2011.
Managing Your Plan
My Account - This is our secure site for members, where you'll learn how much you've paid towards your annual deductible or which claims have been paid, as well as information on eligibility, claims status, your deductible, coinsurance and out-of-pocket maximums. You can even change your PCP or order a new ID card online. A demo of My Account is available. As soon as you receive your member ID card, you can register for My Account.
Maintaining Your Health
There are lots of good reasons to maintain your health. With a CDH plan, better health will also save you money. Here are some resources that can help.
Options - Save up to 50% on fitness club memberships, weight loss programs, hearing care services and laser vision correction, as well as alternative therapies such as acupuncture, nutrition counseling, massage therapy or yoga.
Health Risk Assessments
A health risk assessment is a questionnaire that asks about your age, habits, recent test results and medical history. Based on your answers, the assessment will explain your risk factors and suggest changes you can make to improve and maintain your health. Then you can share the results with your doctor and develop a plan. The results of the health risk assessment are confidential.
You may have two options for health risk assessments:
My Care First - All members have access to a variety of online quizzes and tools to assess your risk for illness and identify steps you can take to reduce your risk.
MyHealthProfile - Your employer may offer a confidential health risk assessment as part of your benefits package. Information will be available in your open enrollment materials or from your employer. If you purchase your own insurance, you will receive a letter telling you how to take the Health risk assessment. You'll receive a personalized health report that alerts you to possible health risks and offers tips on how to stay healthy. Depending on the results of your questionnaire, you may have the option to participate in programs designed to reduce your risk of developing illness or to manage any condition you may already have.
Health and Wellness Library
My Care First - You can learn more about a variety of health topics online, anytime. At My Care First, our health and wellness Web site, you'll find a wide range of helpful articles, videos, and more, including:
Health Library - Diseases and Conditions, Treatments and Procedures, Healthy Recipes and Nutrition Facts
Staying Healthy - Smoking Cessation, Stress Management, Weight Management, Mental Health
Health Management - for common conditions, like Asthma, Cancer, Diabetes or Heart Disease
Family Health - specifics on topics of interest to men, women, children and the elderly
Interactive tools - calculators to help you learn about your health risks, and quizzes to test your knowledge on a range of conditions
Multimedia - Animations, Podcasts and Videos about health issues, conditions and treatments. New Podcasts are available on CDH plans, FSA, HRA and HSA accounts.
When You Need Care
Drug Pricing Tool - Members with most prescription drug plans can access our drug pricing tool through My Account. Just enter the name of the drug, your prescribed dosage and select a pharmacy near you. In seconds, you'll find out the cost of the drug, and whether there are any generics or alternatives that could save you money.
Hospital Comparison Tool - When planning for surgery or other procedure, finding the best place to receive care is important. Members can access the tool by logging into My Account. It provides a side-by-side comparison of the hospitals in your area, and shows the number of procedures completed, the rate of complications, the average length of stay and more. View a demo of the hospital comparison tool.