How does the deductible work for HealthMate for HSA family plans?
In Network: The in-network family deductible works in the following way: • Each family member pays for services up to our allowance until the total amount paid by any one or all family members equals the in-network family deductible. • Once the deductible is met, all in-network services are covered at 100 percent for all family members. Here’s an example of how the deductible would work for a family of three enrolled in HealthMate for HSA Plan 3, which has a $3,000 deductible for subscriber-only coverage (individual) and a $6,000 deductible for a subscriber plus one or more dependents (family coverage): In 2006: • Sue has a surgical procedure that costs $4,000. This amount is applied to the family deductible. • Her husband Richard goes to see his doctor several times, for a total of $500. These amounts are applied to the family deductible, which has now accumulated to $4,500. • Her daughter Jane has a sports injury, with medical bills totaling $2,500. So $1,500 is applied to the family
