A 'family deductible' provision in a medical plan generally:
Explanation
A family deductible sets an aggregate limit so that once a specified number of family members (commonly two or three) have each satisfied the individual deductible, the family deductible is considered met and no further deductibles apply for the year. It does not require every member to meet a full deductible with no cap, does not change coinsurance, and does not remove the out-of-pocket maximum. The provision protects larger families from stacking up multiple full deductibles.
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