1. Individual & Family Lumenos HSA Plus How the Family Deductibles Work

2. 2 Lumenos HSA Plus Family Deductibles Lumenos HSA Plus plan deductible options for 2 or more members include: $5500 (aggregate) $7500 (embedded) $11900 (embedded) Aggregate: one or more members contribute Embedded (like SmartSense Plus): two or more members contribute. If one member meets half of the family deductible amount, they are good to go; then the other half can be met by one or more other family members

3. 3 Lumenos HSA Plus Aggregate Family Deductible With Husband and Wife on Policy Example 1 Lumenos HSA Plus $5500 (aggregate). Husband has surgery. Claim = $50K. He pays $5500. Both he and his wife pay 0% coinsurance for the rest of the year. Example 2 Lumenos HSA Plus $5500 (aggregate). Husband has claims totaling $4000. He or his wife can satisfy the remaining family deductible with just $1500 in additional claims. Then they both pay 0% coinsurance for the rest of the year. Above examples are for in-network services.

4. 4 Lumenos HSA Plus Embedded Family Deductible With Husband and Wife on Policy Lumenos HSA Plus $7500 (embedded) Husband meets $3750 (half of the family deductible). He pays 0% coinsurance for the rest of the year. After his wife meets the other $3750, she also pays 0% coinsurance for the rest of the year. Above example is for in-network services.

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