High-Deductible Plans
Freedom, Security and Affordability
A High-Deductible EPO or PPO, offered by CDPHP Universal
Benefits Inc. (CDPHP UBI), gives you the freedom to see providers within
the CDPHP UBI network without a referral. Members with the HDPPO may also visit non-participating
providers at an out-of-network benefits level.
Plus, you may be eligible to open a Health Savings Account (HSA) and
enjoy tax advantages while taking an active role in managing your
own health care costs.* Learn more about HSAs at the
U.S. Treasury Web site.
It’s All About Options
- No primary care physician or referrals required.
- No charge for many preventive health care services including annual physicals, Pap smears, and mammograms provided in-network.
- Choose a provider in or out of the CDPHP UBI network.
- If you are in an HDPPO plan and choose to see a non-participating provider, your benefits are provided at the out-of-network level, with higher out-of-pocket costs.
- Access to a national network of more than half a million providers.
- Worldwide coverage for emergency care.
Save 20 Percent at 6,200 CVS Stores Nationwide
- CDPHP will send you a free CVS ExtraCare® Health card to receive this special discount on CVS brand health-related products.
- Learn more about your CDPHP CVS ExtraCare Health card.
Health Savings Accounts
The advantages of an HSA include:
- An incentive to save for future medical expenses, using pretax dollars.
- Earn interest tax-free.
- Expenditures are never taxed as long as they are used for qualified medical expenses for the member or a dependent, such as: doctor visits, prescription drugs, over-the-counter medications, or premiums for long-term care insurance.
- Contributions may be made to the HSA by the member, the individual, or employer.
- There are no "use it or lose it" rules and no time limit on spending. * Consult your tax advisor for details.
Open a Health Savings Account
CDPHP has established a referral relationship with HSA Bank™. HSA Bank can assist with account set-up and expense tracking, and offers a variety of ways to invest HSA dollars.
For additional information, go to HSA Resources. HSA Resources.
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.
Please Note: The High Deductible PPO Plan is underwritten by CDPHP Universal Benefits, Inc. (CDPHP UBI). You must comply with CDPHP UBI’s managed benefits program as set forth in the contract to receive the maximum benefits for all services. Failure to do so will result in you being responsible for an additional payment of 50% of the allowed amount up to a maximum of $500 for each service otherwise payable, in addition to the applicable deductible, and/or coinsurance.
* Consult your tax advisor for details.
