You've Got The Power: EmblemHealth's ConsumerDirect Program

What is a ConsumerDirect Plan?
EmblemHealth's ConsumerDirect Plan is a group program purchased by employers. It consists of two parts that work together. The first part is a qualified High Deductible Health Plan (HDHP), which exchanges a higher deductible for lower premium costs than many traditional health plans. The second part is a member-owned Health Savings Account (HSA), administered by a bank or other financial custodian. Members can use their HSAs to save on a tax-advantaged basis for current or future qualified medical expenses.

EmblemHealth's ConsumerDirect Plan features:

• EmblemHealth's Quality National Provider Network
• Optimum consumer savings
• Quality banking partner
• EmblemHealth's health and wellness programs
• Unique flexibility with our shared deductible feature

HSA advantages include:

• Tax-advantaged savings
• Individual member account ownership
• Investing options for eligible members
• Member control of saving and spending

How does a ConsumerDirect Plan work?

• Basic preventive care is covered 100%
• Members can use their HSA funds to pay for qualified expenses not covered by the HDHP
• Qualified medical expenses, including pharmaceuticals, count toward the HDHP deductible
• Out-of-pocket limits protect members from catastrophic costs

Learn more about ConsumerDirect Plans.