Page 9 - Fontbonne University 2022 Benefits Guide
P. 9
2022
Benefits Guide
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 coverage. All family members’ out-of-pocket
has expenses over $750, they are capped at that expenses count toward the $3,000 family deductible;
amount. The remaining $750 must be accumulated the individual deductible does not apply. This
by the rest of the family until the full family could mean one member incurs all the expenses
deductible of $1,500 is reached. Once the family to meet the $3,000 deductible, or 2 or more family
deductible is satisied, all members move into members split the expenses. Once the family
coinsurance. deductible is satisied, all family members move into
coinsurance.
The HSA and Premium Plans also include embedded
out-of-pocket maximums.
9
Benefits Guide
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 coverage. All family members’ out-of-pocket
has expenses over $750, they are capped at that expenses count toward the $3,000 family deductible;
amount. The remaining $750 must be accumulated the individual deductible does not apply. This
by the rest of the family until the full family could mean one member incurs all the expenses
deductible of $1,500 is reached. Once the family to meet the $3,000 deductible, or 2 or more family
deductible is satisied, all members move into members split the expenses. Once the family
coinsurance. deductible is satisied, all family members move into
coinsurance.
The HSA and Premium Plans also include embedded
out-of-pocket maximums.
9
