Services

Transitioning to CDHC

Core Competencies

Our Team

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What We Can Do For You!

	Employee Education in person, or via real-time online conferencing available worldwide: Pre-enrollment education increases take-up rates and facilitates efficient transition to HSAs. Post-enrollment education helps employees to both understand and best utilize HSAs and the qualifying insurance coverage.
	Innovative Health Benefit Design & Implementation Strategies for HSA based Defined Contribution Health Benefit plans.
	HSA subject matter expertise for financial institutions, employers, brokers, agents and human resources professionals.
	Administer Employer HSA contributions including tracking and noticing employers and employees of Ghost Liabilities (missed HSA contributions)
	Administration of HSAs including reporting for Custodians and Trustees.

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Effectively Transitioning to Consumer Directed Health Care Isn't Always Easy

While making the right decisions up front is very important; properly executing the transition is often the biggest challenge .

Educating employees on how to properly use their health savings accounts is an immediate and ongoing priority!  Consumer Directed Health Care is much more than just health insurance, it's a totally new approach to managing health care costs.  Experienced professionals guiding you through the process is a must.  With our help, your people can begin to take full advantage of this innovative new approach in the shortest amount of time with the least disruption to your operations during the transition.  Properly done, long term savings and employee satisfaction can be enormous! Our Independent Team of Experts knows the products, environment and processes.  We can efficiently educate your people, across the organization nationwide to take advantage of Health Savings Accounts beginning on day one.

Ongoing cost-effectively education is critical to making these concepts a win-win for both employer and employees. 

What You Need to Do - Connecting all the dots is sometimes hard to do...

• Know your choices and understand them!
• Learn how, where, when and why your people spend health care dollars; and how Health Savings Accounts and properly designed Defined Contribution Health Plans will affect their behavior and your bottom line.
• Realize how various health insurance options materially affect the investing strategies and the ultimately the success of your benefit plan from both an employer and employee perspective.
• Get critical buy-in from the various stakeholders in your organization.
• Discover best practices that allow organizations to overcome critical barriers and avoid known pitfalls that can imperil a successful transition to a Consumer Directed/Defined Contribution  environment.
• Communicate important health care spending, investing and savings strategies to all your employees that mitigate future health care risk, as well as provide for superior tax-deferred retirement benefits (how to win with HSAs).
• Identify resources that will empower your people to become better health care consumers, thereby producing a healthier more productive workforce, along with reducing your organization's health benefits expenditures.

Our Team: 

James G. Knight MD, CEO, Consumer Directed Health Care, Inc.
           California Life Agent License #0E82663
           Treasurer, Consumers for Health Care Choices
           Chairman, 1st Pacific Bank of California
           2003 President, San Diego County Medical Society
           A practicing Urologist

Dr. Knight is a renowned educator, speaker, writer, strategic planner and policy maker in the area of Health Savings Accounts and Consumer Directed Health Care.

Understanding the concepts and how they interrelate are crucial to making the right decisions!  Moreover as a physician and educator with more than 20 years of experience, Dr. Knight can clearly and concisely guide your organization to a successful conversion.

Dr. Knight's other skills and experience include: plan design, medical fee and quality informatics, and teaching strategies on how to best use one's health savings account.

Should your organization need additional expertise, Dr. Knight and the rest of the team know who to call!

Laura S. Knight LCSW, Executive Vice President, Consumer Directed Health Care, Inc.
           Licensed Clinical Social Worker & Licensed Independent Insurance Broker (CA#:0C09338)

As an independent insurance broker and a Licensed Clinical Social Worker, Ms. Knight can  advise your organization on the myriad of products available in the insurance marketplace and what they really mean from a patient's perspective.

With nearly a decade of experience specializing in Health Savings Accounts and Defined Contribution health plans, she has the professional credentials, the expertise and the experience necessary to efficiently guide your transition to Consumer Directed Health Care with the least disruption to ongoing operations.