How does a family deductible work?

The deductible is the amount you need to pay per year for medical services before the policy benefits are applied. It is applied once per policy year, for each insured person, and is accumulative for all of your medical expenses during the year.

Certain policies have the benefit of a family deductible, and therefore you will only pay a maximum of two (2) full deductibles per insured family per policy year. This means that once two family members have paid their full deductibles, the plan will pay full policy benefits for them and for any other covered family members, without any additional deductible for the remainder of the ongoing policy year.