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EDUCATION & SERVICES HEALTH & WELLNESS TOOLS & RESOURCES

Consumer-Directed Health Care

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To successfully launch a consumer-directed health plan, you need to communicate with your employees early and often.

This is because these plans work to engage members on the financial aspects of their plan and provide clear incentives for members to make smart health care decisions. Your employees decide when and how to use their health care dollars, which motivates them to become more informed health care consumers.

Consumer-Directed Health Plans typically include a high deductible health plan and one or more financial accounts—Health Savings Account (HSA), Health Reimbursement Arrangement (HRA), and a Flexible Spending Account (FSA).

To simplify the task of educating your employees about their health plan and spending accounts, you can access the communication tools below.

Engage your Employees Early

Health Reimbursement Arrangement Launch Plan
If you are offering a Health Reimbursement Arrangement (HRA), a good place to start is with the HRA Launch Plan. It provides a step-by-step approach to explaining this plan and its offerings, as well as resources for successful use.

You can customize this plan to match your company's timeline and communications needs.

Health Savings Account Launch Plan

If you are offering a Health Savings Account (HSA), a good place to start is with the HSA Launch Plan. It provides a step-by-step approach to explaining this plan and its offerings, as well as resources for successful use.

You can customize this plan to match your company's timeline and communications needs.

Continue to Educate your Employees

Using Health Plans Effectively

This downloadable guide provides six practical steps that members can take to begin using their health plan more effectively.

Using Financial Accounts

Financial accounts are a core piece of consumer-directed health plans. Employees can use their financial accounts to offset costs and plan for future health care needs.

To help your employees understand how to use their financial account, share the videos below.


 

Understanding Medical Plans

These two-page documents will help answer your employees' questions about how the deductible works and what services are subject to the deductible.

Plans That Can Be Combined with a Health Reimbursement Arrangement (HRA):

Plans that can be combined with a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA):

Encourage Your Employees to Stay Informed

Our online support resources encourage your employees to take control of their own health care by providing members with the personalized information they need to better understand their health plan and financial account.

The Personalized Bluecrossma.com
Member Central gives members online access to their personal health care information, including deductible claims status, links to financial account balances, and much more. At Member Central, it's all in one place.

ahealthyme®
ahealthyme® gives your employees programs, discounts, and tools to help them stay healthy.

Cost and Quality Tools
Search medications — medication copayment levels and lists of covered medications. Also provides generic alternatives to most brand-name prescriptions.
Medical Cost Comparison Guide for PPO Members — Helps employees compare the cost of the care at various facilities in their area and make more effective decisions.