What is a deductible?

The amount of eligible expenses a member must pay each calendar year before the Company pays benefits. Once the stated number of family members (this differs by contract) have met the deductible in a calendar year, the deductible will be considered as having been met for other family members for that calendar year.
If a member does not meet the deductible, eligible charges for covered services received during October, November or December of that year will count towards that member’s deductible for the next year. (this applies to most carriers).