A family health plan where each person on the plan’s member liability accumulates to both their individual deductible & MOOP and the family deductible & MOOP.
If an individual on the plan meets their individual deductible, the health insurance plan pays a percentage of the coinsurance for that specific individual. If the family meets the family deductible, the health insurance plan pays a percentage of the coinsurance for the family.
If an individual on the plan meets their individual MOOP, the health insurance plan will pay for any remaining covered services for that specific individual. If the family meets the family MOOP, the health insurance plan will pay for any remaining covered services for the family.