This offering allows subscribers to combine their deductibles into one family deductible. For example, one spouse covers themself and their children on a family plan and has a family deductible. The second spouse has individual coverage with an individual deductible. With a Family Roll Up, this family would only have to meet the family deductible, instead of a family deductible plus an individual deductible in a calendar year.
Family Roll Up also combines the family’s out-of-pocket maximums.
To participate, each spouse must enroll in the same medical plan with the same benefit options through the same carrier. Each spouse must report they are married to an active state employee eligible for MCHCP medical benefits and provide the spouse’s Social Security number (SSN) during the Open Enrollment process, or by completing section 5 on the Enroll/Change/Cancel form.
When using Family Roll Up:
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