Federal law requires both prescription drug and medical costs to accumulate toward your plan deductible. This means you must pay 100 percent of your medical and prescription drug costs until the plan deductible is met. Once the plan deductible is met, prescription drug benefits will pay according to your plan design.
When two or more are insured under a qualified HDHP, federal law requires the full family deductible to be satisfied before benefits can be paid. This means one person may be required to satisfy the full family deductible. However, some HDHP plans are not subject to this restriction. If the HDHP offers a single deductible greater than the IRS qualified HDHP minimum family deductible (e.g., $3,000), benefits can be paid to any person on the policy that has satisfied the single deductible. For additional details, see the IRS website or contact our sales team.