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Consumer-Driven Health Plans (CDHPs)
As the cost of health benefits continues to escalate, employers are searching for affordable alternatives to managed care. Nippon Life Benefits consumer-driven health plans (CDHPs) control employer costs by returning choice and accountability to the employee. A CDHP combines a high-deductible health plan (HDHP) with either a health savings account (HSA) or flexible spending account (FSA) to provide members with a plan that rewards them for making smart health care decisions and maintaining good health. The employee essentially "owns" an account from which dollars are used to cover medical and prescription drug expenses. Unused money rolls over from year-to-year, motivating employees to make wise and educated decisions about their own health care. The employee, in turn, is rewarded for those decisions with higher amounts that accrue and carry over to the following year. So, if you're an employer looking for a way to lower your employee health benefit costs, or an employee seeking a plan that puts you in control and gives back, Nippon Life Benefits CDHPs are the answer. How Nippon Life Benefits CDHPs work