How does ConsumerDirect work?

A health plan is combined with a savings vehicle

A ConsumerDirect HSA can only be combined with a qualified High Deductible Health Plan. A ConsumerDirect HRA can be combined with an HDHP or another type of health plan. Employees are responsible for paying most medical costs incurred before the deductible is reached. Expenses paid out of the HSA or HRA may count towards the deductible.

You have a choice of high-quality health plans

Our HSA-compatible plans include a PPO (Preferred Provider Organization) HDHP and an EPO (Exclusive Provider Organization) HDHP. The HRA-compatible plans also include PPO and EPO HDHPs. PPO plans feature in- and out-of-network benefits. EPO plans feature in-network benefits.

Select an HSA custodian or HRA partner

Our preferred HSA partner is First HSA. You can also select any qualified custodian for the HSA or HRA portion of your ConsumerDirect solution. Employer contributions to the HSA or HRA are one of the best ways to increase enrollment in a ConsumerDirect solution.

EmblemHealth makes it easy

EmblemHealth can help you analyze which ConsumerDirect health plan may work best for your company. We provide full support for the design, marketing, enrollment, and maintenance of your ConsumerDirect plan. You can contact us today at 1-877-411-3625 for more information.