Health Insurance Aggregate Deductible
An important distinction needs to be made concerning how deductibles are computed for Qualified High-Deductible Health Plans. The family deductible is an aggregate or combined deductible. Each person’s covered medical expenses go toward meeting the family deductible. Each insured person’s covered medical expenses go toward meeting this amount. Once the family deductible is met, most plans will cover 100% of all allowable expenses for the entire family.
Therefore, any other covered expense you have done that year, will be paid for by the insurance company. Compare this to a traditional copay plan where three of the insured persons EACH have their own deductible that must be met. It is much more difficult to have each person meet their deductible than it is to meet an aggregate deductible.