Consumer-Driven Health Plans (CDHPs) introduce a trend towards a "consumer-decision" health care market. Designed to empower individuals by producing more cost-effective health care options and help members (a) become more aware of how their healthcare spending decisions affect their cost of coverage and (b) give them the choice of how and when they spend their health care dollars based on their needs and values.

GBS Advantage HRA or HSA plans are designed to dramatically lower the cost of your traditional PPO or HMO coverage plans by raising deductibles and copayments but supplementing it with a Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA) to help cover your out of pocket costs. The combination of your traditional coverage plus the HRA or HSA plan, maintains a very high level of benefits at a more affordable cost.

Ask your Employer to consider a GBS Advantage plan!