Consumer-Directed Health Plans

Take control of escalating health care costs. Our consumer-directed health plans put you in charge and allow your employees to actively engage in the decision-making process. Individuals may choose to finance a portion of their premiums and medical care themselves, allowing for possible premium reduction and tax savings for you and for them. You can offer the following types of accounts:

First Dollar Coverage

• A consumer-directed product that does not require an HRA or HSA
• For groups in the Scott & White Health Plan Central Texas service area
• Several HMO plans available
• Tiered benefit structure
  • Level 1: Employee receives 100% coverage for defined amount
  • Level 2: Employee then pays deductible up to defined amount
  • Level 3: 80/20 or other co-payment percentage coverage goes into effect along with office visit co-payments

Flexible Spending Accounts (FSAs)

• Employee participation is voluntary
• Tax savings to employers and employees
• Employee can pay certain medical expenses with pre-tax dollars
• Employer determines maximum contributions
• Selection of premium only plan, medical reimbursement and/or dependent care reimbursement plan

Health Reimbursement Arrangements (HRAs)

• Employer-funded medical expense reimbursements with set funding levels and maximum contributions
• Unused funds can roll over from year to year at employer's discretion
• Can be offered as part of many of our plans

Health Savings Accounts (HSAs)

• Employees under the age of 65 are eligible to participate in an HSA if they have a qualified high-deductible health plan
• Employee and employer may contribute
• Contributions can be made pre-tax by employee and are tax deductible for employer
• Investment earnings accrue tax-free
• Distributions are tax-free if they are used to pay for qualified medical expenses

For more information, please contact a Scott & White Health Plan office near you or request additional information online.

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