Family Deductibles

The deductible is the amount that members must pay before post-deductible benefits kick in.

Post-deductible benefits are when members only pay a copayment or coinsurance for covered services. 

Family plans have both individual deductibles, which apply to each person, and a family deductible, which applies to all family members.

Under a family plan, post-deductible benefits kick in for an individual once that person meets their individual deductible or the family meets the family deductible. This means that a member on a family plan that's met the family deductible can enjoy post-deductible benefits even if that member hasn't met their individual deductible.

Example 1: Family Deductible Not Met

Consider a plan with a $4,000 individual deductible and an $8,000 family deductible. If one member of the family meets the $4,000 individual deductible, and no other members of the family seek care, the $8,000 family deductible doesn't matter for that individual. Post-deductible benefits kick in for that family member.

Example 2: Family Deductible Met

Consider this same plan. If several family members have each paid toward their individual deductibles, and the individual amounts add up to at least $8,000, then the family deductible is met and post-deductible benefits kick in for all family members, even those who haven’t reached their individual deductibles.

Have additional questions for Sana? You can reach us quickly via chat at Monday through Friday, 7 AM–7 PM CST,  or at or (833) 726-2123.