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Consumer Directed Health Plans, also called "CDH Plans" are part of a new way of thinking about your health care. As a consumer, you make choices every day by comparing quality, cost and service. CDH plans help you do the same for health care. CDH plans help you become more aware of the true cost of health care and provide you with tools to help you make important health care choices for your family. These plans combine a high deductible health insurance plan with a medical funding account. These funding accounts are known as a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA).
CDH plans give you more control over how you spend your health care dollars. Because they have a higher deductible, you also have more responsibility for the cost of your health care. That's why we offer online tools and services that provide helpful information to help you make important choices for you and your family.
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| CDH plans give you more control over how you spend your health care dollars. |
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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.
Coverage Advisor - If you have more than one health plan to consider, Coverage Advisor can help you make an informed decision. Just answer a few questions about your health care needs, and Coverage Advisor will estimate your annual health care costs. Then, enter information about the health plans you are considering. You'll receive estimates of your total out-of-pocket expenses for each of the plans you selected.
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.
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Options Discount Program
can save you up to 50% on yoga lessons. |
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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.
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.
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.
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| CareFirst's Drug Pricing Tool allows members to research the cost of medications online. |
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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.
Treatment Cost Estimator - Members of selected plans (including some CDH plans) have access to medical cost information for 22 major practice categories, including maternity, infections and heart conditions. The Treatment Cost Estimator provides an estimated cost for treating the condition, from diagnosis until the treatment ends. It also provides the average number of days spent treating the condition. Access is available through My Account.
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