Fundamentos de Accidente y SaludPregunta 471 de 716
A 'family deductible' provision in a medical plan generally:
a.Requires every family member to meet a separate deductible with no overall cap, no matter how many of them have already met their own deductibles
b.Doubles the plan's coinsurance percentage
c.Eliminates the out-of-pocket maximum entirely
d.Caps the total deductible a family must meet, often once two or three members have each met the individual deductible
Explicación
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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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)