+ What’s the Difference Between a DHMO and CDHP?

Getting Started: Let’s Enroll

You have a choice between nine medical plans from three insurance providers: Aetna, Kaiser Permanente, and MotivHealth. Aetna and Kaiser Permanente have three Consumer-Driven Health Plans (CDHPs) and one Deductible HMO (DHMO) plan. MotivHealth has one Consumer-Driven Health Plan (CDHP).

WHAT’S THE DIFFERENCE BETWEEN A DHMO AND CDHP?

Deductible HMO (DHMO)

Higher monthly premiums (on average). DPS contributes $27.92 per paycheck to offset the cost of the premium.

Predictability of pre-set copays for routine office visits and most prescriptions.

Option of contributing to a Limited Purpose Flexible Spending Account (FSA).

Consumer-Driven Health Plan (CDHP)

Lower monthly premiums (on average). DPS contributes $27.92 per paycheck for employees enrolled in Health Savings Accounts (HSAs).

You pay full cost for office visits and prescriptions until your deductible is met.

Option of contributing to a Health Savings Account (HSA) or Limited Purpose Flexible Spending Account (FSA).

ABOUT MEDICAID

Free or low-cost health insurance may be available to you if your income is under a certain amount. Our Medicaid team can also help with food assistance, cash assistance, vouchers for shelters and other resources. For more information and to see if you, your family or your children qualify, please call our DPS Outreach and Enrollment Specialists at 720-423-3661.

TO DO LIST

o Verify what network your doctor is in or find a new doctor in your preferred network.

o Determine which carrier you’d like to use.