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Save Money on Your Common Health Care Needs

The CDPHP Smart Deductible plan helps save you money on the most common health care needs by carving certain services out of the deductible including:

  • All visits to your primary care physician

  • All prescriptions

For these services, you will immediately start paying a more predictable coinsurance or copay.

The Smart Deductible plan includes:

  • No claim forms or referrals

  • No charge for certain preventive care, including routine annual exams and screenings

  • Worldwide coverage for emergency care

How Smart Deductible works

You are not required to select a primary care physician (PCP), although we encourage you to establish a relationship with a network PCP who will coordinate your care and refer you to network specialists as needed. You are responsible for paying a coinsurance or copayment when going for care. Please refer to the benefit materials provided to you at the time of enrollment for specifics on your out-of-pocket costs. These vary according to the plan purchased by your employer.


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.