What is Consumer-Directed Health Care?
The philosophy of CDHC (consumer-directed health care) is to empower and encourage employees through cost sharing, individual purchasing choices and educational tools, allowing them to make better health care decisions.
Blue by Design is the Blue Cross and Blue Shield of Kansas (BCBSKS) CDHC option. Under this option, member responsibility for his or her health care is coupled with the employee health benefit plan. The intended outcome is to help contain rising health care costs, along with financial savings for both the consumer and the employer.
There are three parts to CDHC:
Blue By Design
1) These program options can be used by the employer to help curtail rising health insurance costs.
2) These funding arrangements are available from SelectAccount (our consumer-directed health care program administrator). Under these arrangements, the employee’s personal account information is available online at a secure Web site.
3) Available Resources
These are some of the tools available to BCBSKS employers and members as a standard service of their benefit program. These tools allow members to educate themselves in an effort to become better health care consumers.
In addition, dedicated group benefit consultants will work with an employer to develop a health insurance plan, through a variety of out-of-pocket and benefit options, to best meet the employer’s needs.