Aggregate means all or total. The term is used often in self funded employer group plans where the employer is funding the claims up to an aggregate cap (if they have purchased medical stop loss coverage).
I rarely see it used in individual major medical plans except for those plan designs that are HSA qualified. High deductible plans that are HSA qualified generally come in two flavors. Some have an embedded family deductible while others have an aggregated family deductible.
In the case of the aggregated deductible, all eligible claims from covered family members would apply toward the deductible. Once these aggregated claims hit the deductible the plan coinsurance kicks in and the carrier pays their obligation.
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I rarely see it used in individual major medical plans except for those plan designs that are HSA qualified. High deductible plans that are HSA qualified generally come in two flavors. Some have an embedded family deductible while others have an aggregated family deductible.
In the case of the aggregated deductible, all eligible claims from covered family members would apply toward the deductible. Once these aggregated claims hit the deductible the plan coinsurance kicks in and the carrier pays their obligation.