High-Deductible Plans
Freedom, Security, and Affordability
A High-Deductible EPO or PPO, offered by CDPHP Universal Benefits, Inc. (CDPHP UBI), gives members the freedom to see providers within the CDPHP UBI network without a referral. Members with the HDPPO may also visit non-participating providers at an out-of-network benefits level.
They may also be eligible to open a tax-advantaged Health Savings Account (HSA) and take an active role in managing their own health care costs.
It’s All About Options
- 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.
- Members may see a provider in or out of the CDPHP UBI network.
- If they are in an HDPPO plan and use a non-participating provider, benefits are provided at the out-of-network level, with higher out-of-pocket costs.
- Access to a national network of more than half a million providers.
- 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.
- Earn interest 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.
- Contributions may be made to the HSA by the member, the individual, or employer.
- There are no “use it or lose it” rules and no time limit on spending.
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.