KBenefits Insurance Services
Insurance - Medicare - Retirement


If you're a Single, then you have 1 deductible to pay.  But if your "H/W, P/C or Familyl", then there are 2 deductibles.  Depending on your health plan deductibles can be separated or combined deductibles.   Carriers call this "embedded vs aggregate deductibles." 


Embedded deductible (separatored) means so no one family member can contribute more than the single amount toward the family deductible. ($2,000/$4,000 deductible)  One person in a family pays up to $2,000. the rest of the family would taken on the remaining $2000 deductible to equal $4,000.


Aggregate deductibles (combined) are used in HSA health plans where one member of a family can take on the entire family deductible.  $2,000/$4,000.   One member can pay $4,000.

KBenefits, LLC
Christopher S. Kudryk
Call:  732-333-1976
Fax:   732-444-5971




Chris Kudryk


KBenefits provides insurance solutions for small business owners and individuals in NJ & NY.  Contact KBenefits today and see how we can benefit you.

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