Consumer-Directed Health Plans (CDHP)
Consumer-Directed Health Plans (CDHP) are designed to help consumers become more aware of their health care benefit options and the cost of procedures in order to help curtail the ever-increasing costs of health care. The premise of consumer direction is that health care would be more efficient if consumers had fiscal incentives to choose more cost-effective care along with access to effective education and decision support tools.
The CDHP consists of a health fund or account (HSA or HRA); a high deductible health plan (HDHP) and web-based information tools to help members make more informed health care decisions.
