UMR offers a variety of consumer-driven health (CDH) strategies to lower customers’ health care costs by promoting personal ownership and accountability among plan members. Our benefit plan modeling tools can help employers design a plan structure that meets their cost and benefit goals. Employers can choose to incorporate flexible spending accounts, health reimbursement accounts or qualified high-deductible health plans coupled with health savings accounts. We also can administer customer-specific incentives to improve the performance of an employer’s health plan

Core services:

• Flexible spending accounts
• Health reimbursement accounts (HRA)
• HSA/QDHP administration
• Consumer-driven health incentives
• Retiree account administration

Associated services:

• HSA banks
• CDH debit cards
• Consumer concierge