Frequently Asked Questions

Why do people say that the "consumer is in control" with a consumer-driven plan?

With a consumer driven plan, you are responsible for paying all of your medical bills up to the amount of your deductible. Since you are responsible for paying the money, you may also choose what services you want without being beholden to a health plan insurer. This also means that you have a natural incentive to evaluate cost and quality information, an incentive you do not have with a traditional PPO, HMO or indemnity plan. The Catch: Not all of your medical services may be covered under your plan. If you purchase an uncovered medical service (like, say, acupuncture), you may be allowed to pay for it with health savings account (HSA) dollars, but it may not count towards your deductible. When you comparison shop between plans, it is critical for you to consider these factors to ensure you buy what you think you are buying.

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