Consumer Driven Health Care (CDHC) health insurance plans enable patients to either use employer-funded benefit dollars or to save their own dollars in an account to be used to pay health care expenses.
Note: Due to the unique nature of CDHC plan designs, providers should view the patient’s ID card to determine if he or she participates in any of the CDHC plans described below. If so, submit the claim to UnitedHealthcare rather than collect payment at the time of service. After the claim is adjudicated at UnitedHealthcare, the health care professional bills the patient for any outstanding balance.
Health Reimbursement Account (HRA) - An HRA usually covers 100 percent of the patient’s health care expenses when dollars are available. View more information on HRAs.
Health Savings Account (HSA) - An HSA is a patient’s individual account and can be used to pay for qualified medical and pharmacy expenses. This is the patient’s own money and is rarely employer subsidized. View more information on HSAs.
Flexible Spending Account (FSA) - A patient may have the option to use an FSA in conjunction with an HRA to help pay for eligible medical and pharmacy expenses not covered by the HRA plan. This includes over-the-counter medications, non-medically necessary procedures (e.g., LASIK eye surgery) and much more. View more information on FSAs.
Preventive care (physicals, immunizations and health screenings) is usually covered at 100 percent when the patient visits in-network health care professionals. Because there is no deduction from the patient’s HRA or HSA and no out-of-pocket cost to the patient for preventive care, the health care professional should submit the claim to the appropriate UnitedHealthcare remittance office for payment.