Standard PPO Plan
Deductibles
What is a Deductible?
The deductible is the amount you must pay for covered medical services each year before the medical plan begins to pay benefits. The deductibles under the PPO Plans start over each Jan. 1.
Deductibles for Standard PPO Plan
The annual deductibles that apply to you depend on the coverage level you selected:
Employee |
$1,000 |
Employee + Spouse/DP |
$2,000 |
Employee + Child(ren) |
$2,000 |
Family |
$2,000 |
Coverage for an Individual
- If you elect coverage for yourself, the individual deductible applies to you. You must pay for covered medical services for yourself.
- The plan will not begin to pay for benefits until you meet the individual deductible.
Coverage for an Individual and One or More Dependents
- If you elect coverage for yourself and one or more eligible dependents, a family deductible applies to all as a single-family unit.
- You must pay for covered medical services until any combination of two or more members of your family meet the family deductible.
- If, however, you pay for covered medical services for any covered member of your family and meet an individual deductible, the plan will start paying for benefits for that covered family member.
- The individual deductible helps to limit what you have to pay if one person in the family uses more health care than the rest of the family.
- Any one or more of the other covered members of your family can then meet the rest of the family deductible. After that, the plan will pay for benefits for the rest of the family members.