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HomeHealth Plans Self Directed Health Plans
Self-Directed Health Plans (SDHP)

This puts together (SDHP) the skin of a PPO based plan with the added feature of a Self Directed Account (SDA). The SDA is funded with a maximum quarterly allowance and yearly balance to use for certain types of routine or preventive care services. Unused funds roll over to next year, allowing enrollees to save for health care expenses.

Signature Freedom, the self directed health plan from PacifiCare, for instance, gives an allowance of $1,000 per year ($250 per quarter) in a Self Directed Account (SDA). It can be used for certain types of preventative care services, including:

• Consultations
• Physical Exams
• Well Baby
• Well Woman
• Physician Home and Office Visits
• Diagnostic Testing
• Immunizations
• Office Radiology

If you do not use the entire $1,000 in your SDA each year, the remaining funds will be rolled over to use the next year and the year after that, allowing you to build a savings for health care expenses. If you do not go to the doctor that often, a plan like this might be just right for you. It's affordable, so you are not overpaying for services you'll never use, yet your SDA allows you to get the anticipatory care you need to stay fit.

Online Quote Form

Individual & Family Plans                          Child Only Plans - Ages 0-18                                       Senior Plans - Ages 65+

First Name * Last Name Email * Daytime Phone * ZIP Code * Get Quote* Health Plans Dental Plans Group Health Plans Term Life Insurance

Gender Age or Date of Birth Tobacco User ? Full-time Student? Applicant M F / / Spouse M F / / Child M F / / Child M F / / Child M F / / Child M F / / Child M F / /

* Child under one year: use age "0"

Requested Effective Date:   August   September  October

*What is your current health plan premium? (optional)    $  /month

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High deductibles mean that if you need medical care that is not covered by your SDA, like inpatient surgery or emergency room visits, your plan will cover what's left once you pay the deductible. Pharmacy benefits entitle you to prescription drug coverage.

What's more is that you can see any doctor you want. But if you want to be rewarded with lower costs, you can choose a provider from the approved PPO network.