Why is ConsumerDirect important?

ConsumerDirect may provide lower premiums

ConsumerDirect plans have been one of the fastest-growing types of health plans in the country. They are popular because they may provide companies and employees with lower premiums. A High Deductible Health Plan (HDHP) generally exchanges a higher deductible for lower premiums. HSA and HRA savings vehicles help employees pay for eligible medical expenses before the deductible is reached.

Increased employee responsibility and control

With a ConsumerDirect solution, employees have more cost-sharing responsibility, as well as more control over healthcare expenses. Members decide when to use their HSA or HRA funds to pay for eligible medical expenses before the health deductible is satisfied.

Employees have a choice of quality providers

EmblemHealth ConsumerDirect Plan members can choose from any of the providers and services covered by their plan. Our National Provider Network includes more than half the "Top Docs" from New York Magazine's list, and virtually every acute care hospital in the region.

ConsumerDirect rewards employees for healthy lifestyles

The wellness component is designed to emphasize the importance of healthy lifestyles and disease prevention. Healthy employees may mean reduced absenteeism and increased productivity.

EmblemHealth ConsumerDirect PPO and EPO coverage is underwritten by Group Health Incorporated (GHI). This site offers information drawn from sources that are believed to be reliable, but it cannot be guaranteed as to completeness or accuracy. The content is not intended to be, and should not be relied upon as, tax, legal, financial, or health planning advice.