Page 8 - Fontbonne New Hire

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

Fontbonne’s Premium Plan includes an embedded family deductible
for those enrolled in family coverage. This means if one member in
the family has expenses over $750, they are capped at that amount. The
remaining $750 must be accumulated by the rest of the family until the
full family deductible of $1,500 is reached. Once the family deductible is
satisied, all members move into coinsurance.

The HSA and Premium Plans also include embedded out-of-pocket maximums.

Non-Embedded

Fontbonne’s HSA Plan includes a non-embedded family deductible for
those enrolled in family coverage. All family members’ out-of-pocket
expenses count toward the $3,000 family deductible; the individual

deductible does not apply. This could mean one member incurs all the
expenses to meet the deductible, or 2 or more family members split the
expenses. Once the family deductible is satisied, all family members move
into coinsurance.

8 2018 New Hire Enrollment