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High Deductible Health Plans (HDHP) Overview

Our High Deductible EPO and PPO give you the freedom to see providers within the network without a referral. Members with a High Deductible PPO may also visit non-participating providers at an out-of-network benefits level.

Our High Deductible EPO and PPO plans include:

  • No primary care physician or referrals required
  • No charge for many preventive health care services including annual physicals and screenings provided in-network
  • The choice to see a non-participating provider (PPO only)
  • Access to a national network of more than half a million providers
  • Worldwide coverage for emergency care

How it Works

A high deductible PPO plan from CDPHP Universal Benefits, Inc. (CDPHP) gives you the freedom to visit CDPHP doctors without a referral and see non-participating doctors if you choose. It all depends on your needs, your wants, and your budget – you make the call.  


Q. What should I do if I have an emergency when I’m out of the area?

A. If you have an emergency outside the CDPHP service area, go to the nearest hospital emergency room. CDPHP will cover the hospital emergency room bill in full — minus your copayment or deductible and coinsurance.