Integrated Deductible

Definition - What does Integrated Deductible mean?

An integrated deductible is the amount of money an insured person has to pay for health needs before all of their health policies start contributing to the payments.

Insuranceopedia explains Integrated Deductible

The deductible is the money the insured pays before their insurance does. If the deductible is $1,000, the insurance company only pays the excess of that amount. If a person has two policies for clinical tests and prescription drugs and both have a deductible of $1,000, then the policyholder may have to pay $2,000 to avail of both tests and drugs before the insurers assist with payment. With an integrated deductible, however, a fixed amount will cover both health needs. If the integrated deductible is $1,000 and the policyholder has spent that much on the tests alone, the insurers will pay for the remaining cost of treatment or medication.

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