CDPHP SmartOptions

CDPHP® SmartOptionsSM

CDPHP® SmartOptionsSM lets employers offer employees three benefit options—all for one price.


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Employees will appreciate the freedom to choose how they want to spend their health care dollars. They can choose from:



View the large group and small group benefit designs for more details on these options.


CDPHP SmartOptions Includes:

  • National network access.*
  • No charge for certain preventive care, including routine annual physicals, immunizations, mammograms, Pap smears, and prostate cancer screenings.
  • Additional benefits such as drug, dental, and vision coverage can be added to the plan.
  • Worldwide coverage for emergency care.
  • Life PointsSM, included with CDPHP SmartOptions groups of 25 or more eligibles, rewards employees with up to $365 of points for the steps they take to stay healthy.



* Pending New York State Insurance Department approval. CDPHP SmartOptions is underwritten by CDPHP UBI. 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.


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