How does a family deductible work?
A.Under PPO 1 and PPO 2 as charges are applied towards the deductible they accrue towards an individual deductible for that specific person and also towards the deductible for the entire family. Once the individual deductible has been met, the member who met their deductible and Blue Cross will share in the payment of expenses. Once the family as a whole has met the family deductible, the entire family would share in the payment of expenses with Blue Cross. Under the PPO 3 (HSA) plan, the member and Blue Cross will not begin to share in the payment of expenses until the entire family deductible has been met by either one person or a multiple of covered members in the family.
