In contrast, the per-cause deductible breaks payments down according to expenses incurred through particular injuries or illnesses. Once the deductible amount for a specific condition has been paid by the insured toward such treatment, a variable benefit period (usually one to two years) begins. The per-benefit deductible approach is naturally a major disadvantage for people with two major and separate health occurrences in a single year. For example, if the insured experiences a serious illness and an automobile accident in quick succession, a separate deductible must be met in each of these cases before coverage begins.
In minimizing deductible amounts, one strategy that PJP Health Agency recommends is to purchase family policies. Rather than adding an equivalent deductible amount for each family member, the deductible is generally capped at the equivalent of two family members’ individual standard deductible amounts.