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A CDHP is an excellent option and a very effective tool for monitoring health care costs. A CDHP is a health insurance plan that pays for covered services after the deductible is met. Most employees save money with a CDHP, but only you can determine what health plan best meets your need.
Don’t forget to take advantage of 100 percent first dollar preventive care services. It is important to visit a primary care physician for an annual physical which includes screenings for high cholesterol and diabetes, the two most prevalent conditions among our plan members. Preventive services are a smart way to invest in your health.
The state of Indiana offers three CDHPs – Wellness CDHP, CDHP 1 and CDHP 2. All three plans cover the same services and can be compared by closely examining the premiums, deductibles and out-of-pocket maximums.
The premium rates for CDHPs are considerably less expensive than those of a Traditional PPO plan. For those employees who qualify for the Wellness CDHP, the premiums under this plan are the least expensive of all four health plans offered by the state. They start as low as $10.98 bi-weekly for single coverage and $35.04 for family coverage.
* Rates reflect participation in the non-tobacco use incentive.