Data on Consumer-Directed Care

Insurer/third-party administrator (TPA)

Product Profile

Client Profile

HRA Employer Clients/ Covered Lives

High-Deductible Health Plan (HDHP) Enrollment/ HSA administrator

Aetna, Inc.

Hartford, Conn.

HealthFund: HRA or HSA coupled with a high-deductible PPO.

Fully insured and self-funded employers.

• 508 HRA plan sponsors and 624,000 members/lives (as of June 30).

• 5,767 HSA-compatible HDHP plan sponsors.

• 267,000 lives (as of June 30).

HSA partner: Aetna serves as HSA custodian, with some banking functions handled by JPMorgan Chase.

Assurant Health Milwaukee

Assurant HSA: HSA-compatible HDHP.

Individuals, families and employers.

N/A.

Assurant has received individual HSA applications to cover 400,000+ lives.

HSA partner: UMB Financial Corp.

Benemax

Medfield, Mass.

"Benemax Wrap: Provides an independent front-end HRA-based plan that ""wraps"" around a fully insured HDHP."

"Fully scalable" for all size clients with at least 15 lives."

• 300 implementations.

• 28,000 covered lives. 

"Recently launched a "multi-option" plan that combines HSA compatibility with the Benemax Wrap technology. • 5 implementations."

Bluegrass Family Health

Lexington, Ky.

Bluegrass Consumer Choice: HSA- and HRA-compatible health plans.

Fully insured and self-funded employers in Kentucky, southern Indiana and Tennessee.

• 17 groups. • 769 members.

• 64 groups. • 1,086 members.

Coventry Health Care

Bethesda, Md.

Coventry FlexChoice: Stacked multi-account HDHPs that can be paired with HRAs and HSAs.

Individuals (HSAs) and employer groups of all sizes.

100,000 lives covered by HRA-based and HSA-qualified plans as of July 1. (Does not include data from Mutual of Omaha group-health business, which was acquired July 2).

HSA Partner: Wells Fargo.

CIGNA HealthCare

Bloomfield, Conn.

CIGNA Choice Fund: HRA or fully integrated HSA coupled with one of several health plan options.

Employers with 200+ covered lives. Also available to employers with 51 to 200 lives in selected markets.

• 257 groups (HRA and HSA clients); 500,000 members as of Jan. 31).

About 15% (76,000) of CDH members are in a fully integrated HSA-based plan (as of Jan. 31).

HSA Partner: JPMorgan Chase. 

Destiny Health

Oak Brook, Ill.

Destiny Health Plan: Interest-earning HRA coupled with a PPO. Members can add benefit riders for hospitalization and outpatient surgery, or for prescriptions for chronic health conditions.

Employers with between 2 and 1,000 lives.

• 2,000+ clients

• 57,000 covered lives.

• 5,000 HDHP lives.

HSA Partner: Destiny Health Insurance Co. serves as integrated HSA administrator.

Fallon Community Health Plan

Worcester, Mass.

Care Choice: High-deductible HMO and PPO health plans compatible with an HRA or HSA.

Fully and self-funded employers, as well as individuals.

1,000 lives.

HSA Partner: Sovereign Bank.

Fiserv Health

Brookfield, Wis.

Consumer Connection: Fully integrated CDH program. HDHP with HRA and HSA, integrated with several pharmacy benefits managers

Self-funded employers with 100 or more employees.

• HRA: 45 employers.

• 38,000 lives.

• 39 employers

• 22,000 lives

HSA Partners: Associated Bank, American Chartered Bank and HSA Bank

Great-West Healthcare

Greenwood Village, Colo.

Consumer Advantage is a tiered CDH product. Portfolio also includes HRA- and HSA-based plans.

Employers with 25 or more employees.

• 18 clients.

• 14,300 lives in HRA-based plans.

• 92,100 lives in Consumer Advantage.

• 144 clients

• 24,900 lives.

HSA Partner: Mellon Financial Corp.

The Guardian Life Insurance Company of America

New York

HSA-Compliant High Deductible Health Plan: Employers can offer more than 20 PPO plan designs with HSAs.

Employers with between 2 and 250 lives

N/A.

Plans launched in September 2005. Enrollment data not available. HSA Partner: None pre-selected.

Harvard Pilgrim Health Care

Wellesley, Mass.

SmartSpend includes HRA paired with HMO/PPO or  HSA paired with HDHP PPO.

Fully and self-funded employers, large and small groups and individuals.

4,000 lives.

5,000 lives

HSA Partners: ACS/Mellon, Sovereign Bank.

Health Net, Inc.  Woodland Hills, Calif.

HSA-compatible HDHP.

Not available.

N/A.

Approximately 23,000 HDHP enrollees and 1,200 HSAs open (as of May 2007).

HSA Partner: Wells Fargo.

HealthPartners

Bloomington, Minn.

Empower HRA and HSA plans: HDHP paired with HRA or HSA.      

Fully insured and self-funded employers. HRA plans for groups of 50+. HSA plans for individuals, small and large groups.   

• 32 groups.

• 8,200 enrollees.

• More than 1,100 groups.

• 28,000 enrollees.

HSA Partner: Wells Fargo.

Humana Inc.

Louisville, Ky.

SmartSuite: Includes CoverageFirst (CDH plan with spending account that does not roll over). SmartSelect and SmartExpress offer HRA options.

SmartSuite: Fully insured groups of 100+. SmartExpress: Fully insured employers with 2 to 300 employees.

• 59,500 in an HRA-based plan as of January 2007.

• 275,400 in SmartSuite product.

• 82,300 lives.

HSA Partner: UMB Financial Corp.

Medica

Minnetonka, Minn.

Medica Direct: HDHP (HMO and PPO) coupled with an HRA or HSA.

HRA-based plan aimed at employers with at least 2 employees.

HSA/HDHP aimed at individuals and employers with 2 or more employees.

• 109 employer groups.

• 48,513 members.

• 1,502 employer groups and 46,479 members.

(includes accounts where Medica provides administrative services only.)

Medical Mutual of Ohio

Cleveland

SuperMed Funds: HRA-based plan with multilevel processing possible under one deductible.

Employers with more than 50 employees.

SuperMed HSA: HDHPs for individuals and all group sizes.

• 70,000 lives.

HSA Partner: First Horizon MSAver Resources.

Mutual of Omaha

Omaha, Neb.

Consumer Choice plans: HDHP paired with HRA or HSA.

Groups with 50 or more enrolled employees. 

5,300 lives. (Group-health business acquired by Coventry effective 7/2/07)

• 1,883 lives.

HSA Partner: HSA Bank.

OSF HealthPlans, Inc.

Peoria, Ill.

Choice of six HDHPs with HRA and HSA options.

Fully insured and self-insured employer groups with 10 or more employees.

• 14 employer groups.

• 233  members as of January 2007.

Partnered with eflexgroup as HSA, HRA administrator.

HSA Bank is HSA fiduciary.

Preferred Health Systems Insurance Co.

Wichita, Kan.

Fully insured HRA and HSA options available.

Employers with a minimum of 2 employees.

2,555 covered lives.

• 1,879 covered lives.

HSA Partner: HealthEquity.

Principal Financial Group

Des Moines, Iowa

Combines HDHPs with HRAs or HSAs.

Insured and self-funded employer groups. HRAs available with insured plans beginning Jan. 1, 2006. 

• 5,600 HRA members.

14,547 HSAs established with more than 45,000 HDHP members. Checking accounts and certificates of deposit available through Principal Bank.

Rocky Mountain Health Plans

Grand Junction, Colo.

Good Health Savings Plans: HDHP paired with an HSA for groups and individuals

Fully insured employers and individuals.

N/A.

• 1,448 individuals.• 596 employer groups.

• 5,010 total members.

HSA Partner: The Bancorp Bank.

Self Insured Plans, LLC

Naples, Fla.

Stand-alone, self-funded HSA- and HRA- based plans, HRA/HSA combinations, Rx carve-out HRA plans and medical expense reimbursement plans.

Employers with 15 employees or more.

• 63 clients.

• 30,015 members.

• 16 clients.

• 3,527 lives.

HSA Partner: HSA Bank.

Starmark

Lake Forest, Ill.

HSA- and HRA-compatible plans. Starmark HRA also available.

Employers with 2 to 50 employees

Not provided.

Recommended HSA custodians: HSA Bank and Charles Schwab Trust Co.

Tufts Health Plan

Waltham, Mass.

Liberty by Tufts Health Plan: HRA- or HSA-based plans.

Small employer groups.

7,809 lives as of January 2007.

2,844 lives as of January 2007.

UnitedHealth Group

Minnetonka, Minn.

Definity Health: HRA and HSA plan designs for employer groups of all sizes. Enrollment includes Golden Rule and PacifiCare subsidiaries.

Fully insured and self-funded employers, as well as individuals.

• 2,863 employer clients.

• 1,187,391 lives enrolled in HRA-based plans as of June 30.

• 66 clients offer both HRA- and HSA-based plans.

• 18,304  employer clients.

• 1,058,732 individuals enrolled in HSA-based plans as of June 30.

HSA Partner: Exante Bank (chartered and owned by United).

University of Pittsburgh Medical Center (UPMC) Health Plan

Pittsburgh 

Consumer Advantage Plans: Fully integrated HRA- and HSA-based health plans.

Employers with at least 2 employees.

HRA- and HSA-based product available on Jan. 1, 2006.

Enrollment not available.

HSA Partner: Mellon.

Vested Health

Charleston, W.Va.

HRA coupled with HDHP and Consumer Activation program.

Employers with 10 to 10,000 employees.

• 350 employer clients.

• 30,000 members.

FSA and HSA-based product available. HSA-Enrollment data not available.

N/A= Not applicable

SOURCE AND METHODOLOGY: Based on data provided by health plans and compiled by ICDC, July 2007. Unless otherwise noted, all data are as of July 1, 2007.