What is a Self-Directed Health (SDHP) Plan?

A self directed health plan ( SDHP) combines aspects of a PPO plan with those of a Self Directed Account ( SDA). The Self Directed Plan is funded when a member pays the maximum quarterly allowance and yearly balance. This money is used for medical, health, and wellness, and preventive care services. Any money invested in the account that is not spent on health care is rolled over to the following year. This allows members to save money to pay for medical costs.

Self directed health plans have high deductibles. Inpatient surgery and emergency room visits are not covered by an SDHP, but the member's plan covers what is not paid for by the high deductible. Prescription drugs are covered by pharmaceutical benefits. Members may see the physician of their choice, but lower costs are available for approved medical providers within the network.

Three Types Of Managed Care Plans:

Other Styles Of Plans


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