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High-Deductible Health Plans

A high-deductible plan is right for you, if:

  • You are looking for comprehensive coverage with lower premiums, and understand this requires greater employee out-of-pocket cost share.
  • You want to encourage employees to become more engaged in their health and more aware of the true cost of health care services – helping them to be more accountable for their health care decisions.

Independent Health offers a variety of high-deductible plans:

  • iDirect: With iDirect, you’ll save on premium costs while still having the ability to offer quality, accessible health benefits to your employees. iDirect plan designs range from straight copayment plans and hybrid (coinsurance and copayment) plans, to coinsurance plans.


For more information, or to see what plan is best for you, call your sales representative or Employer Sales at 716-631-8072 or 1-800-755-5802, option 4.