The Consumer-Directed Health Plan is a high deductible health plan that
is accompanied by a Health Reimbursement Account (HRA), which is set up
by the State Health Plan. This plan includes the ability to lower your
monthly premium by completing wellness activities. Affordable Care
Act (ACA) Preventive Services performed by an in-network provider are
covered at 100% in this plan, which means there is no charge to you.
2017 CDHP Preventive Medications List
2017 Affordable Care Act (ACA) Preventive Medications List
2017 Uniform Summary of Coverage - CDHP
2017 CDHP Benefits Booklet
2017 Plan Comparison Chart
2017 Consumer-Directed Health Plan (CDHP) Preventive Services Summary
Consumer-Directed Health Plan (85/15) for Active and Non-Medicare Subscribers
Consumer-Directed Health Plan (85/15) for 50% Contributory Non-Medicare Subscribers
Consumer-Directed Health Plan (85/15) for 100% Contributory Non-Medicare COBRA Subscribers and Other 100% Contributory Subscribers
Consumer-Directed Health Plan (85/15) for Active Subscribers Who Are Medicare Primary Due to Upcoming Retirement or RIF
Consumer-Directed Health Plan (85/15) for Active Subscribers and Dependents Who Are Medicare Primary Due to ESRD
Although your Benefits Booklet provides a
good overview of what services and products are available to you under
the PPO plans, the medical policies provide detailed information around
the circumstances under which certain services and products are and are
not covered. Medical policies can be found here on the Blue Cross and Blue Shield website*.
* If any of the State Health Plan medical
policies conflict with the Blue Cross and Blue Shield of North Carolina
medical policies, the State Health Plan medical policies will prevail.
Certain services require prior review and certification before they can be covered by your health insurance plan. Click here for more information.
If you disagree with the way a claim has been
handled, you can request an appeal or grievance review. For the
complete appeals process, please click here.