Consumer Directed HealthSelectSM for Active Employees
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 HealthSelect of Texas® or one of the regional health maintenance organizations (HMOs). However, 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 their taxable income.
Remember: Members are responsible for all their non-preventive health costs until they meet the annual deductible. (A deductible is the amount you pay before the plan starts paying anything.)
Plan BenefitsThe key benefit of Consumer Directed HealthSelect is the ability to save money, tax-free, in an HSA for health costs now or in the future. There is also a monthly contribution from the state to your HSA (if you're eligible) .
- Learn more by reading the Consumer Directed HealthSelect benefits overview.
- See the Master Benefits Plan Document for detailed information about health plan benefits.
- 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, there is also an out-of-pocket maximum that limits the amount you would have to pay out of pocket each year. (All ERS health plans have an annual out-of-pocket maximum.)
Eligibility and Enrollment
- The plan is available to Texas Employees Group Benefits Program (GBP) eligible employees and dependents who aren’t enrolled in Medicare. Evidence of insurability is never required to enroll in this or any ERS health insurance.
- 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: If you leave state employment and stay enrolled in Consumer Directed HealthSelect through COBRA, you will no longer get state contributions to your health savings account (HSA). You will pay only the premium for the high-deductible health plan plus the 2% administrative fee to ERS. You can still contribute to your HSA, but you will make your contributions directly to Optum Bank. You will also be responsible for any administrative fees to Optum Bank.