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Non-embedded vs Embedded Deductible

HS2000 and , HS3000, HS5000 plans - Deductible for individual coverage

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This applies to an employee who has dependents included on their coverage. The employee and dependents are responsible for paying for medical and prescription drug claim costs up to the plan’s family deductible amount before GuideStone begins paying claims for anyone in the family. The family deductible may be met by one individual or by multiple family members’ combined claims. This is known as a non-embedded deductible.HS5000 plan - Deductible for individual coverageThis is the amount an individual is required to pay before benefits begin for services not covered by co-pays. Once this amount is met, the plan will begin paying claims for that individual at the coinsurance level.

HS5000 plan - Deductibles for family coverage

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