How are the deductible and coinsurance calculated for families?
Deductibles reflected in the Global Citizen plan grid are per person deductibles. For a family, the maximum deductible and coinsurance are increased by a factor of 2.5., regardless of the size of the family. For example, a family covered under the 500 plan pays a maximum deductible of $1,250, calculated by multiplying $500 (per person) by 2.5. The coinsurance maximum is $7,500, calculated by multiplying the coinsurance maximum of $3,000 (per person) by 2.5. The family’s annual out-of-pocket expenses limit is $8,750 ($1,250 + $7,500).
