Page 8 - CC 2018 Benefits Booklet_revised
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2018 EMPLOYEE BENEFITS GUIDE
NON-EMBEDDED STRUCTURES
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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