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Welcome to HDhealthplan.com.

High Deductible (HD) health plans have become the best value in securing affordable group health insurance protection. There are several methods to fund the out of pocket deductible so your employees truly get "Better Benefits, for a lower cost".

To speak with a representative, please call 800-640-7155 x 109

A high deductible health insurance plan is just one component of the

Consumer-Directed Health Care (CDHC) Revolution.

These components include:

Qualified Insurance Plan

Higher deductible, lower premiums
Provides “safety net” coverage for larger health claims

Health Savings Account (HSA)

Provides tax-free dollars for eligible medical expenses
Outstanding savings vehicle for future expenses

Health Reimbursement Arrangement (HRA)

Provides tax-free dollars for eligible medical expenses
Employer only funds actual health claims incurred

Health and Wellness

Educates and encourages employees to live a healthier lifestyle

Consumerism

Employees need to become "consumers"- they need to become active, engaged participants in the purchase of health care services.

The growing trend in this county towards Consumer-Directed Health Care plans is due, in part, because individuals are seeking their own solutions and not relying entirely on the traditional and unsustainable health care system. Others reasons for the trend include:

• A sea-change in new tax incentives and other initiatives which has made CDHC plans a cost-effective and sustainable method of controlling health care costs.

• A better educated and more conscious health care consumer.

• More available plan choices and combinations (higher-deductibles, lower-cost insurance with a tax advantaged savings tool).

For a custom proposal, please download a Quote Request Form and/or contact

To speak with a representative, please call 800-640-7155 x 109

Consumer-Directed Health Care

'Better value for your health care spending'