Save money with smart choices
Understanding how you and/or your family uses healthcare can help you make wise decisions when choosing
your medical plan now.
Deductibles
If you cover dependents on your plan, there are important differences to understand about how deductibles are
calculated in each medical plan.
- HSA Advantage Plan uses an aggregate deductible. This means the family deductible must be met before the health plan’s coinsurance covers expenses for any one covered member. Therefore, a family member with high medical expenses could contribute the entire family deductible amount before any coinsurance kicks in.
- Signature Plan uses an embedded deductible, which means that once a covered member meets the individual deductible, the health plan’s coinsurance covers his/her expenses, even if the full family deductible amount has not been met.