A deductible refers to the dollar amount you have to pay out-of-pocket for covered dental services before your dental plan starts to pay.
In a family dental plan, a family deductible is the amount your family must pay out-of-pocket before your dental plan starts to pay. A family plan usually includes a family deductible and an individual deductible for each member, contributing to the overall family deductible. The family's deductible is met when any combination of family members' healthcare costs meets the maximum deductible for the whole family. At that point, the family’s insurance plan begins paying their oral health care costs minus any coinsurance or co-pay, which is the family’s responsibility.
Suppose an individual meets their deductible before the family deductible is met. In that case, that person starts to receive their full benefits, while other family members still need to pay towards their individual deductibles. Once the family deductible is met, however, everyone in the family, regardless of whether they met their individual deductibles, will receive the full coverage benefits. For example, if your family with five members' deductible is $200, each with an individual deductible of $50, then meeting the individual deductibles for four members will satisfy the family deductible.
Family and individual deductibles are two types of deductibles that can be found in dental and health insurance policies.