Anybody have Consumer Directed Healthcare/CDHP?

I have it through BCBS. It means you will be given a savings account that can only be used for paying approved medical expenses called an HSA or something similar. It will be around a $1000 or a little more for the year.
In my case, I have a debit card with the account.

You have to decide when you pay for something with the account. But be warned, keep up with the amount. If you overdraw the account, there are penalties and you have to put the money back into it.

I don't like it as it makes things more complicated and not all expenses apply to your deductible like dental. Mine usually runs out in the first few months of the year, then everything is out of my pocket. Best of luck.

We have it and so far it's been okay. Basically it means that you have a high ($1200) deductible. Typically the employer pays half the deductible (into an HSA). After the deducctible is met the insurance pays pretty much just like any other insurance.

My deductible is $2300 per year. Really high.

I never even meet it from year to year. It's basically 'catastrophic' insurance.

I've had the CDHP with an HSA for going on two years and I love it. I just put the difference between the CDHP and the 80/20 plan premiums into my HSA and I never have to pay out of pocket. The best thing about an HSA is there is no use it or lose it date. It can keep building and doesn't reset year to year. I figure I'm saving at least $400 per year on the 80/20 deductible and I never use up what I put into the HSA, so it just keeps growing. Plus, what you put into the HSA as well as any interest earned is tax free for even more savings.

Unless you've got serious health issues that would cause you to meet the max out of pocket every year, I can easily recommend it to you.