The short-term deductible for a family works the same as the deductible of a long-term plan. Usually, there is a both a deductible for the entire family and for each individual in the family. If the deductible for each family member is $500 for each individual and $1500 for the family, a combined total of $1500 must be paid before the insurance kicks in for the family. However, if over $500 is spent on one individual in the family, then the insurance will cover that person (and only that person).
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