HDHPs - A Directory of HDHP Carriers

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High Deductible Health Plans
(HDHPs)

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High Deductible Health Plans (HDHPs) - provide Employers, Employees, and Individuals reduces premiums compared to more traditional health plans in exchange for a higher deductible. The plans however do not cover initial costs or all of the co-medical expenses. With the exception of many preventive care services, the insured must pay the deductible - a preset level of medical expenses - before the medical expenses are covered by the plan. These plans encourage Employees, Individuals and Families to become better consumers of health care - often referred to as Consumer Driven Health Plans (CDHPs). Qualified HPHPs are frequently combined with HSAs and HRAs (see HSA and HRA Plans).

Carriers/Providers Offering HSA Qualified HDHPs Include:

        Aetna - www.aetna.com
          American Community Mutual - www.american-community.com
          American National Life - www.anico.com
          Assurant - www.assurant.com
          Blue Cross/Blue Shield - www.bcbs.com
          Celtic Insurance Company - www.celtic-net.com
        CIGNA - www.cigna.com
          Fidelity Security Life - www.fslins.com
          Golden Rule (United Health Care) - www.goldenrule.com
          Humana - www.humana.com
          Imerica Life & Health - www.imerica.com
          Nationwide - www.nationwide.com
        Pacificare - www.pacificare.com
          Unicare - www.unicare.com
          World Insurance Company - www.worldinsco.com

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                        BENEFITPLACE TOP PICKS*
                            SUGGESTED "BEST OF CLASS"
                                         HDHPs
                          (Alphabetical Order)

             · Aetna
            · Assurant
            · Blue Cross/Blue Shield
            · CIGNA
            · Humana
            · Pacifico
            · Unicare

* BenefitPlace Top Picks are based on our management's market
      research, experience of our affiliates, materials provided by
      Companies, and our discussions with Company's
      Representatives. These are not recommendations to
      utilize or purchase any specific Company, Program, Product or
      Service. If you would like to be considered for listing,
      please submit information to - max@benefitplace.biz or call
      216.921.1583 for more information.