Page 10 - CC 2017 Benefits Booklet

2017 EMPLOYEE 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

Columbia College’s Base plan includes an embedded family
deductible for those enrolled in coverage with a dependent.
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 satisfied, all members move into coinsurance.

Non-Embedded

Columbia College’s HDHP includes a non-embedded
family deductible for those enrolled in a coverage with a
dependent. All family members’ out-of-pocket expenses
count toward the $4,000 family deductible; the individual
deductible does not apply in this situation. 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 satisfied, all family
members move into coinsurance.

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