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Any fans of Consumer Driven Health Plans (CDHP)?
It is open enrollment at work and my employer is really pushing the CDHP's. We still have choices of the traditional plans but the premiums are going up and coverage percentage is going down. I'm kind of leaning towards the CDHP, with my health spending account and incentives given through my employer for preventive care, I should have no trouble meeting the $500 deductible if necessary. I'm just wondering if anyone has any good or bad experiences with a CDHP that they can share before I jump into uncharted waters.
1 Answer
- LoriLv 61 decade agoFavorite Answer
You have to look at what each of the plans will cost you in premiums, deductibles and co-insurance. If the employer is kicking in for more of those in one plan, that would leave you with more in your pocket. Make sure that whatever plan you choose, covers the services you use the most and you can afford the deductibles and coinsurance amounts. You also need to be sure that the doctors you use are in-network providers for the plan you choose.
