Whats the difference between the individual and family deductibles?
The individual deductible is the amount of expenses that one individual must accumulate before their deductible is met. The family deductible is the amount that the all covered family together must accumulate before the deductible is met for all family members. Once the family deductible is met, no individual family member needs to accumulate additional expenses towards their deductible. For example, if under the Aetna High Level PPO plan, one member of your family accumulates $500 of in-network expenses, their in-network deductible has been met. Then, if a second covered family member accumulates $500 of in-network expenses, their in-network deductible is met as is the in-network deductible for any other family member since the family has met the $1,000 in-network deductible. The family in- network deductible could also be met, for example, if one covered family member had $300 in in-network expenses, another had $450 and a third had $250. Since the $1,000 family in-network deductible
