Family combined deductible

Your health savings account (HSA) works as a preferred provider organization (PPO) health plan, which means covered services are paid at either an in-network or out-of-network level, depending on how you seek services. See your insurance policy for details.

Your Family Combined Deductible is the total cost of services (in- and out-of-network) for all individuals on your policy that you must pay before your plan begins to pay benefits.

  • All services apply toward the combined deductible except for in-network preventive care (see Preventive Health Care Guidelines for details).
  • This deductible must be met each plan year.
  • Once you have met your Family Combined Deductible, your plan benefits will be applied.