Advanced Consumer-Directed Healthcare

Speed to Market. Flexible Plan Design. Consumer Choice. The employer and individual markets are demanding new health insurance products that manage premium increases and involve consumers in making decisions about their healthcare. As a result, interest in consumer-directed healthcare (CDH) is on the rise. A solid CDH strategy has major implications for new business growth and retention of existing books of business.

Unlike any other, DST Health Solutions’ Advanced CDH Solution delivers a “consumer experience” that is unparalleled and an array of industry-leading technology, established business partnerships and comprehensive business services that create the most complete solution for HRAs, HSAs and FSAs available today. Using DST Health Solutions’ Advanced CDH Solution, organizations can pursue their CDH strategy with confidence and speed.

Empowering the Consumer
The promise of consumer-directed healthcare starts with the empowered consumer. Engaging buyers to make informed choices about their healthcare is the first step. Providing access to information that drives sound decision-making is essential to managing costs over the long term.

Consumer Web Portal
The Consumer Web Portal is the center of your members’ CDH experience. Branded to reflect the distinct personality of your organization, the Consumer Web Portal combines benefit and fund information in a seamless healthcare management resource that is available 24 x 7. With the Consumer Web Portal, your members have anytime, anywhere access to a vast array of healthcare decision support and comprehensive fund management capabilities.

Debit Card Options
Consumers demand flexibility and choice in their healthcare options. They expect the same when it comes to paying for services. The Advanced CDH Solution includes convenient options for CDH account-holders to draw funds through checking accounts and debit cards, including the Bennyä card offered through Evolution Benefits.

Delivering Value to Employers
Flexibility, ease-of-use, access to information and freedom of choice for employers is as important to your CDH market strategy as the options you provide to your members. It’s the ability to meet the collective needs of employers and their employees that typically drives program success.

Employer Web Portal
The Advanced CDH Solution makes it easy for employers to understand what’s happening with their CDH plans and manage activity according to their business needs. The Employer Web Portal is a comprehensive management tool that brings together program performance and financial information into a single, easy-to-use, on-line management resource.

Flexible Banking Partnerships
Consumer-directed products require tight integration and a smooth working relationship between plan administrators and financial institutions. For that reason, the Advanced CDH Solution was designed with a special focus on ensuring a seamless result.

Established partnerships with leading financial institutions create an out-of-the box CDH solution for those that want it. Or, for employers that want to extend existing banking relationships to their CDH plan, the Advanced CDH Solution can integrate with any bank of choice and deliver the same benefits.

An Infrastructure that Works
The ability to deliver innovative CDH products and differentiate yourself in the market depends on a well-built internal foundation. Powerful technology, process excellence and domain expertise are combined in the Advanced CDH Solution to provide the infrastructure foundation you need to make your CDH market strategy work.

Powerful Technology: CDH Fund Manager and the Advanced CDH Application
At the technology core of the Advanced CDH Solution is the CDH Fund Manager. The CDH Fund Manager is a powerful, highly sophisticated transaction engine that manages administrative processing for HRA, HSA and FSA products. The CDH Fund Manager combines with the Consumer Web Portal and the Employer Web Portal to create the fully-integrated Advanced Consumer-Directed Healthcare Application (CDHA), a comprehensive software product for organizations pursuing the CDH market.

People and Process: BPO Services
In addition to powerful technology, well-trained people and efficient processes are important to a successful CDH market strategy. It takes time to establish the right operational foundation; however, in the competitive landscape of consumer-driven healthcare, speed to market is key. The Advanced CDH Solution includes an array of BPO services to help your organization execute quickly, achieve economies of scale and mitigate risk in your new line of business.

For more about Advanced Consumer-Directed Healthcare, contact us at inforequests@dsthealthsolutions.com.