Family Medical Deductible, Out-of-Pocket Medical Deductible Changing For 2019

The Exchange health plan’s family medical deductible and out-of-pocket maximums will change for 2019.

If associates cover themselves and one or more dependents, their in-network family deductible will be $1,500 in 2019. The new in-network family out-of-pocket maximum will be $8,000.

This change does not affect associates who have employee-only coverage.

As of Jan. 1, the family deductible and out-of-pocket maximum can be met by one or any combination of family members. Once the expenses reach the deductible, the deductible will be considered met for all family members. The same holds true for the out-of-pocket maximum.

Know more

The Exchange health plan’s Summary of Benefits Chart shows benefits and out-of-pocket costs.

To view summary chart, associates can visit > Health Benefits > Medical. They can then click on the name of a plan or enter their ZIP code to find the available plans.

Two big ways to reduce costs

Contributing to a healthcare flexible spending account (FSA) is a great way to pay for healthcare expenses before and after associates meet their deductible. An FSA lets associates save money from their paychecks on a pretax basis for eligible out-of-pocket medical expenses for themselves and their dependents.

With a healthcare FSA, they will receive a PayFlex debit card by Jan. 1, pre-loaded with their full election amount for the year, ready to use right away.

Earn more credits in 2019

In 2019, associates enrolled in employee-only coverage can earn up to $300 in health incentive credits. They can visit  to see the healthy actions they may take to earn credits.

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  1. Paula Maloy on April 3, 2019 at 5:15 pm

    1500 deductible for 2 old retirees is not fair. It’s a good thing for a family with kids , but not fair with those who do not have kids or too old to have anyone on thir insurance.
    $500 deductible per person was never met in a year time, unless of emergency situation. Looks like someone didn’t consider the retirees on this. Or mayb they did. Anyway, our insurance has gotten worst instead of better.

  2. Rita A Ponton on July 1, 2019 at 9:47 pm

    Agree with ms malloy re: family vs individual deductibles. Meeting $500 was tough, meeting $1500 for 2 persons is unreasonable!

    • Steve Smith on July 2, 2019 at 12:59 pm

      Ms. Ponton:

      Thank you for writing to your Exchange Post! Keep an eye out for more articles about the new insurance option.

      Steve Smith
      Editor, The Exchange Post

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