Separate limits are usually applied on a per person and per family basis. The amount that you pay for each medical service you get, like a doctor visit. The amount that you pay for each medical service you get, like a doctor visit. There is a deductible for each benefit period - usually a year. There may be separate deductibles for different types of services.
Deductibles can change every year.
A traditional type of insurance in which the health plan will either reimburse you or pay the medical provider directly for each covered medical service. You select the doctor or hospital of your choice but you usually must pay a deductible and coinsurance or copayment. These plans are called FFS because doctors and other providers are paid for each service, such as an office visit, or test. They control costs by managing patient care. They also provide access to PPOs.