Consumer Directed Health Plans 

Empower Your Employees and Control Costs

Consumer directed health plans were developed to empower and encourage plan participants to evaluate their health care options with an eye on the cost and an incentive to spend dollars wisely. At Prodegi, we have designed CDHP plans to encourage covered persons, the consumers of health care, to make informed choices.

Consumer directed health plan options from MBMC include Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs) and more traditional Flexible Spending Accounts (FSAs). The following chart will help you compare the various consumer directed options.

Feature	FSA	HRA	HSA
Are employee contributions made on a before-tax basis?	Yes	N/A	Yes
Can funds be rolled over from year to year?	No	Yes	Yes
Do unused funds revert to the employee upon termination?	No	No	Yes
Can debit cards be provided?	Yes	Yes	Yes

 

Empowering employees means offering choices and working with SIP means you and your employees will understand the financial impact of those choices. To learn how consumer directed health plan options can increase employee satisfaction while improving your bottom line, call Prodegi or email us today.