Understanding ICUBA's Medical Plan Deductibles
Updated: Aug 6
Updated for coverage effective August 1, 2026
Deductibles and out-of-pocket maximums generally reset at the beginning of each plan year on April 1. If you change from one ICUBA medical plan to another during the plan year due to an approved qualifying life event, the deductible and out-of-pocket maximum amounts you have already satisfied will generally transfer to your new ICUBA medical plan for the remainder of that plan year.
ICUBA's medical plan year begins April 1 and ends March 31 of the following year. The deductible and out-of-pocket maximum for ICUBA's medical plans reset every plan year on April 1.
When 1 or 2 members are covered under a medical plan, each member will be responsible for an individual deductible and out-of-pocket maximum.
$3,000 deductible & $7,400 out-of-pocket maximum in the Preferred plan.
$4,500 deductible & $8,600 out-of-pocket maximum in the High-Deductible plan.
When a family (two or more members) is enrolled in a medical plan, all the family members share the family deductible and out-of-pocket maximum. Once any combination of family members satisfies the family deductible and out-of-pocket maximum, no one else in the family is required to pay toward those expenses.
$6,000 deductible & $14,800 out-of-pocket maximum in the Preferred plan.
$9,000 deductible & $17,200 out-of-pocket maximum in the High-Deductible plan.
Refer to your Summary of Benefits and Coverage for more information. Deductible and Out-of-Pocket maximums reset each year on April 1st.
Example 1:
A family of four are enrolled in the Preferred EPO Plan🧑🦰🧑🦱🧑🦳🧑🦲
🧑🦰satisfied $3,000
🧑🦳satisfied $3,000
That's $6,000 and the family deductible is met, now all family members move to coinsurance.
Example 2:
A family of five are enrolled in the Preferred EPO plan 🧑🦰🧑🦱🧑🦳👦👧
🧑🦰satisfied $3,000
🧑🦱satisfied $2,000
👧satisfied $1,000
That’s $6,000 total and the family deductible is met, now all family members move to coinsurance.
Example 3:
A single parent expecting a baby is enrolled in the Preferred EPO plan 🤰
🤰satisfied $3,000 before the baby is born.
Once the👶is born and added to the plan, the baby will have an individual deductible of $3,000 effective their date of birth.
Since there are 2 members covered under the plan, and 🤰satisfied $3,000, the👶 will have to satisfy an individual deductible of $3,000 for the remainder of the plan year.
Example 4:
Parents A & B are expecting a baby and enrolled in the Preferred EPO plan 🧑🦰🧑🦱
🧑🦰satisfies $3,000 before the baby is born.
🧑🦱satisfied $1,000 before the baby is born.
That's $4,000, the remaining $2,000 becomes part of the family deductible once the 👶 is born and added to the plan.
Since 🧑🦰satisfied $3,000 and 🧑🦱satisfied $1,000, the remaining $2,000 will now be shared as the family deductible by 🧑🦱and 👶.
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