How do the individual and family deductibles work?
Here’s an example: Sam is the first in his family to have covered medical expenses and he reaches his deductible. All of Sam’s covered medical expenses for the rest of the year will be paid at the 80% or 60% level, depending on whether Sam goes to a network or non-network provider. Let’s say Sam’s wife, Liz, meets her deductible as well. Because two family members have met their deductibles, the rest of the family’s covered medical expenses will be paid at the 80% or 60% from the first dollar. In other words, Sam’s children do not have any deductibles to meet for the year.
Related Questions
- I am married to another Nassau County employee and we do not have any children. Can we get two individual health insurance policies instead of one family policy?
- Is there any wiggle room at the local level for increasing individual and family health insurance deductibles?
- Whats the difference between the individual and family deductibles?
