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CDH/SmartSpendSM Info Center

Our Consumer-Driven Health (CDH) solutions

The CDH solutions engage employees as consumers in making smart and sensible decision about their health care.  They typically include a high deductible and one or more financial accounts – Health Savings Account (HSA) or Health Reimbursement Account (HRA).  The goal is to reduce health care cost through smarter, more judicious health care shoppers.   

To ease employers' and employees' transition to Consumer-Driven Health, we offer an integrated HRA/HSA solution with our preferred administrators. Under this arrangement, we send weekly electronic enrollment and claims files directly to the administrator to ease administration for both employers and employees. We also have negotiated preferred terms, designed standard HRA/HSA offerings and implemented trouble-shooting and continuous quality improvement programs with each preferred administrator.

HRA partners
Benefit Strategies*
Group Dynamic *
HealthEquity *
HR Concepts*

HSA partners
Benefit Strategies

Want to learn more?
Call your broker, Harvard Pilgrim account executive, or (800) 848-9995.

IRS Pub 969
U.S. Treasury

HRA/HSA Web Sites
Benefit Strategies

Group Dynamic
HR Concepts

CDH guru
A series of Q&A's to give brokers details
to be a trusted CDH plan advisor.