Which type of deductible applies a single deductible to both medical and dental coverage?

• A. Per-visit deductible
• B. Integrated deductible
• C. Fixed deductible
• D. Annual deductible

Answer: (B)

A single deductible that applies to both medical and dental coverage means you don’t have separate deductibles for each type of service. Instead, one deductible amount must be met across all covered services from the policy before either medical or dental benefits kick in. This is known as an integrated deductible.

With an integrated deductible, you’re tracking one shared amount. For example, if the integrated deductible is $500 and you incur both dental and medical expenses in the same year, you’re obligated to pay enough of those combined charges to reach $500 before plan benefits start paying at the intended cost-sharing level for either type of service. Once that deductible is met, the plan pays according to the usual coinsurance or coverage rules for both medical and dental services.

Per-visit deductibles would hit separately for each encounter, not across both coverages. An annual deductible often implies resetting or applying within a particular coverage or policy structure, and a fixed deductible describes a set amount before coverage begins but doesn’t specify cross-coverage application. Integrated deductible specifically coordinates a single deductible across multiple coverages.