A fixed dollar amount you pay before the plan begins paying benefits (excluding those services like preventive care that are covered at 100% and aren’t subject to the deductible).
- Under the Investor Plan (HSA) medical plan, the deductible includes both medical and prescription drug expenses.
- Under the Core and Premium medical plan options, the deductible includes only medical expenses.
Note that under the Core and Premium medical plans, each member accumulates separately toward his or her individual deductible; however, in families of more than two members, it is possible that the family deductible can be met before each family member meets his or her individual deductible. This is called an “embedded deductible.”
Under the Investor Plan (HSA), each member accumulates collectively toward the family deductible in all coverage levels (other than employee only). For these coverage levels, the individual deductible does not apply. This is called a “non-embedded” deductible.