Page 8 - Fontbonne 2021 New Hire Guide
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EMBEDDED VS. NON-EMBEDDED STRUCTURES
If a plan is covering a family, the deductibles and out-of-pocket maximums can be designed as either embedded
or non-embedded. Embedded deductibles and out-of-pocket maximums recognize the individual limit for
each family member within the family amount. Non-embedded structures only recognize the family limits. It is
important to know which one your plan has so you and your family can plan accordingly for potential healthcare
expenses.
Embedded Non-Embedded
Fontbonne’s Premium Plan includes an embedded Fontbonne’s HSA Plan includes a non-embedded
family deductible for those enrolled in family family deductible for those enrolled in family
coverage. This means if one member in the family has coverage. All family members’ out-of-pocket expenses
expenses over $750, they are capped at that amount. count toward the $3,000 family deductible; the
The remaining $750 must be accumulated by the rest individual deductible does not apply. This could
of the family until the full family deductible of $1,500 mean one member incurs all the expenses to meet the
is reached. Once the family deductible is satisied, all $3,000 deductible, or 2 or more family members split
members move into coinsurance. the expenses. Once the family deductible is satisied,
all family members move into coinsurance.
The HSA and Premium Plans also include embedded out-of-
pocket maximums.
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If a plan is covering a family, the deductibles and out-of-pocket maximums can be designed as either embedded
or non-embedded. Embedded deductibles and out-of-pocket maximums recognize the individual limit for
each family member within the family amount. Non-embedded structures only recognize the family limits. It is
important to know which one your plan has so you and your family can plan accordingly for potential healthcare
expenses.
Embedded Non-Embedded
Fontbonne’s Premium Plan includes an embedded Fontbonne’s HSA Plan includes a non-embedded
family deductible for those enrolled in family family deductible for those enrolled in family
coverage. This means if one member in the family has coverage. All family members’ out-of-pocket expenses
expenses over $750, they are capped at that amount. count toward the $3,000 family deductible; the
The remaining $750 must be accumulated by the rest individual deductible does not apply. This could
of the family until the full family deductible of $1,500 mean one member incurs all the expenses to meet the
is reached. Once the family deductible is satisied, all $3,000 deductible, or 2 or more family members split
members move into coinsurance. the expenses. Once the family deductible is satisied,
all family members move into coinsurance.
The HSA and Premium Plans also include embedded out-of-
pocket maximums.
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