Consumer Directed HealthSelectSM is a high-deductible health plan with health savings account (HSA) for people not enrolled in Medicare. Depending on your health needs, you could pay much more out of pocket for health care than in HealthSelectSM of Texas or one of the regional health maintenance organizations (HMOs). But Consumer Directed HealthSelect also lets you save money to help cover your out-of-pocket health costs. For some people, an HSA could be a great way to save money and lower taxable income. But members are responsible for all their non-preventive health costs until they meet the annual deductible. (A deductible is the amount you’d pay before the plan starts paying anything.)
The key benefits of Consumer Directed HealthSelect are the ability to save money, tax free, in an HSA for health costs now or far in the future and the state’s contribution to your HSA (if you’re eligible): $540 a year for an individual or $1,080 for a family in Plan Year 2018.
- See the 2018 Master Benefits Plan Document for information about your Plan Year 2018 health plan benefits.
- Consumer Directed HealthSelectSM benefits overview.
- You do not need to designate a PCP or get a referral to see a specialist under Consumer Directed HealthSelect, but you probably will pay less for care – sometimes a lot less -- if you stay in the HealthSelect network. There are tens of thousands of providers in the statewide network.
- Preventive services, like vaccinations and annual checkups, are covered at 100%.
- Except for preventive services, you would pay the full cost of doctor visits, prescriptions and other health care until you reach the annual deductible.
- To protect you from catastrophic health costs, Consumer Directed HealthSelect also has an out-of-pocket maximum that limits the amount you would have to pay out of pocket each year.
Eligibility and Enrollment
- The plan is available to GBP eligible employees and dependents who live or work in Texas. Evidence of Insurability is never required to enroll in this plan.
- You can enroll in this plan during your first 60 days of employment and coverage will begin the first of the month following your 60th day of employment.
- You can also enroll when you have a qualifying life event (QLE) such as a birth or marriage and coverage will begin on the date of birth or the first of the month following the event.
- You can enroll during Summer Enrollment and coverage will begin on September 1 of that year.
Note: Once you are on COBRA, you are no longer eligible for state contribution to your health savings account (HSA). You will only pay the premium for the high-deductible health plan (HDHP) plus the 2% administrative fee to ERS. You can still contribute to your HSA, but you will make your contributions directly to Optum Bank on a post-tax basis. You will also be responsible for any administrative fees to Optum Bank.