Why is a ConsumerDirect HRA important?

ConsumerDirect plans may be more affordable

For the last decade, the cost of health care has been rising. ConsumerDirect solutions are designed to make healthcare more affordable. They give you more choice, control, and responsibility over your healthcare spending and planning decisions.

You have more choices

You can choose from any of the providers and services covered by your 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—great hospitals like Memorial Sloan-Kettering, Montefiore Medical Center, Lenox Hill Hospital, North Shore-Long Island Jewish Health System, and Albany Medical Center.

You have more control

You decide when to use funds in your Health Reimbursement Arrangement to pay for eligible medical expenses before your deductible is satisfied. Funds withdrawn from your HRA are tax-free if used for eligible expenses. State taxes may vary. Check your Summary Plan Document to see which expenses are covered by your plan.

Our HRA plans include preventive care

Members pay no out-of-pocket costs for covered preventive care in-network, including routine physicals, screenings, immunizations, mammograms, gynecological exams and well-baby care. These services are not subject to the plan's deductible.