High Deductible PPO

High-Deductible PPO

Freedom, Security and Affordability

A High-Deductible PPO provides employees with the freedom to see providers within the CDPHP Universal Benefits, Inc. (CDPHP UBI) network without a referral, and visit non-participating providers at an out-of-network benefits level. The higher deductibles mean more affordable premiums.

Employees may also have the option to open a Health Savings Account (HSA), enabling them to take an active role in managing their own health care costs, by paying for qualified health care expenses using tax-advantaged* dollars. Learn more about HSAs at the U.S. Treasury Web site..

It’s All About Options

• Once the deductible is met, services may be covered in full or a coinsurance may be required.
• No primary care physician or referrals required.
• No charge for many preventive health care services including annual physicals, Pap smears, and mammograms provided in-network.
• Choose a provider in or out of the CDPHP UBI network. If the employee chooses to see a non-participating provider, benefits are provided at the out-of-network level, with higher out-of-pocket costs.
• Worldwide coverage for emergency care.

Health Savings Accounts

The advantages of an HSA include:

• An incentive to save for future medical expenses, using pretax dollars.
• Interest accumulates tax-free.
• Expenditures are never taxed as long as they are used for qualified medical expenses for the member or a dependent, such as: doctor visits, prescription drugs, over-the-counter medications, or premiums for long-term care insurance.
• There are no “use it or lose it” rules and no time limit on spending.

Open a Health Savings Account

CDPHP has established a referral relationship with HSA Bank™. HSA Bank will assist with account set-up and expense tracking and offers a variety of ways to invest HSA dollars.

• Go to HSA Bank

For additional information, go to HSA Resources.

The High-Deductible PPO is underwritten by CDPHP UBI. This summary offers highlights but does not detail all benefits, limitations, or exclusions. It is not a contract and may be subject to change. For more detailed information, a Membership Certificate is available upon request.

* Consult your tax advisor for details.