Does an employee with only a covered spouse (or covered child) have to meet the $2,700 family deductible maximum?
No. If you have only one covered dependent (e.g., an employee and spouse, or an employee with one child), the individual deductibles would be met at $1,800 and both member’s claims would begin to pay at the 10 percent copay for In-Network services and 30 percent copay for Out-of-Network services. Two individuals always reach their individual deductibles before the family deductible, so the family deductible does not apply in these cases.
Related Questions
- An employee and spouse each has a separate individual HDHP with a $3,000 deductible for each plan. What is the maximum tax deduction if they file jointly or separately?
- Does an employee with only a covered spouse (or covered child) have to meet the $2,700 family deductible maximum?
- Does the family have to meet income qualifications before a child can receive a grant?
