Title: What is the difference between an embedded and non-embedded plan?

What is the difference between an embedded and non-embedded plan?
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These terms refer to the accumulation method for your health plan. The accumulation method is important if you cover anyone other than yourself.

  • An embedded plan means that after each eligible family member meets his or her individual deductible and individual out of pocket maximum, covered expenses for that family member will be paid based on the coinsurance level specified by the plan. Or, after the family deductible has been met, covered expenses for each eligible family member will be paid based on the coinsurance level specificed by the plan.
  • A non-embedded plan means that all eligible family members contribute towards the family plan deductible and out of pocket maximum. The family deductible and family out of pocket maximum must be met before the plan will pay each eligible family member's covered expenses based on the coinsurance level specified by the plan.

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