non embedded deductible:
a type of deductible that does not require an individual member of a family plan to meet a deductible amount before the insurance company begins paying for expenses. Instead, the entire family plan deductible must be met before the insurance company starts paying coinsurance for any family member.
The advantage of a non-embedded deductible is that it allows a family member to begin receiving the benefits of coinsurance as soon as the individual deductible is met, without having to meet the full family deductible.
The potential drawback of a non-embedded deductible is that it may result in higher out-of-pocket maximums, which can be a problem for smaller families whose members require more medical services.
The advantage of a non-embedded deductible over an embedded deductible is that it aligns more closely with the cost-sharing model used in many preferred provider organizations (PPOs) and preferred retail clinics.
both an embedded deductible and a non-embedded deductible
family plan with embedded deductible
a family plan with an embedded deductible requires an individual member of the family to satisfy a deductible amount before the insurance company began paying for expenses. Once the individual deductible is met, the insurance company starts paying coinsurance towards a family member’s claims.
the family plan with an embedded deductible has both an individual deductible and a family deductible. The individual deductible must be met before the family deductible, which in turn must be met before the insurance company starts paying coinsurance for individual and family members.
the advantage of a family plan with an embedded deductible is that it provides the opportunity for individuals within the family to begin receiving the benefit of coinsurance as soon as they meet their individual deductible, without having to meet the full family deductible.
both a non- embedded deductible and a embedded deductible
