CDPHP® SmartOptionsSM
CDPHP® SmartOptionsSM lets employers offer employees three benefit options—all for one price.
Employees will appreciate the freedom to choose how they want to spend their health care dollars. They can choose from:
| 1.) |
Copay EPO — A copayment plan for those who prefer greater predictability when budgeting for their health care services. |
| 2.) |
Transitional EPO — Employees pay a lower copayment for primary care and specialist office visits. Inpatient-based services transition to a deductible and coinsurance arrangement. |
| 3.) |
High Deductible PPO — This PPO plan is ideal for employees who want to take an active role in managed health care. Once the deductible is met, covered services are paid in full. An out-of-pocket maximum offers added protection. |
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.