Group Health Plans of La.   CALL 1-888-456-1858 or  info@ghpla.com 

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Consumer Directed Health Plans....
 

WHAT IS A CONSUMER DRIVER HEALTH PLAN?

A Consumer Driven Healthcare Plan generally consists of :  
  1. A Healthcare Reimbursement Account

    Offered on a pre-tax basis, with the employer funding the account. Employees access this account first to pay for allowable medical expenses they incur during the year. Dollars remaining in the account at year-end, roll over, and may be used in the next year to cover future medical costs. HRA accounts normally are funded by employer premium savings. Dollars in this Account can be used to pay medical, dental, vision, chiropractic, vitamin, over the counter medications, etc.  Employee's can earn additional contributions to their Accounts by the employer for spotting and reporting medical and billing errors that result in cost savings to the plan.

  2. A Deductible

    If an employee's expenses exceed the amount in their Account , they generally must pay their own expenses out of pocket until the plan deductible has been met.  (Services covered by their  Reimbursement Account apply toward the annual deductible.) Preventive care services can either be paid for by Health Coverage or out of the employee's Account.  

  3. Insurance Coverage

    Insurance coverage is not mandatory and indeed may not exist in large employers or employers that are only providing limited benefit plans to employees.  However, generally an underlying health insurance coverage exists to pay expenses incurred after the deductible has been met, relieving the employee from further exposure to medical costs during the plan year..

*Online and phone-based resources can be made available to help members make health and wellness decisions. Searching  for health information and the ability to track all their account expenses and  activity online, helps them make better decisions and to know what their current "financial account position" is.  

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 Features of a Consumer Directed Plan                     Why Consumer Directed Health Plans?

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