How is the family deductible met in the HSA Plus?

The HSA Plus deductible for Employee + One or More coverage is $3,500 in-network and $7,000 out-of-network. All eligible in-network and out-of-network expenses from covered family members apply toward the deductible. For example, if just one family member has $3,500 in eligible in-network expenses, the deductible is considered met for all family members for in-network expenses. However, coinsurance for out-of-network expenses would not be met until the $7,000 out-of-network deductible has been met. Remember, no coinsurance applies in the HSA Plus until the family deductible is met.

Connect with Benefits

XPO Benefit Center

  • 855.376.7276

    Press 1 for English
    Press 2 for Spanish
    Monday through Friday
    8 a.m. to 8 p.m. Eastern Time