3162095v1 - Segal Master Plan Document/SPD: COPY ONLY!!!!

For the HDHP plans: For families enrolled in a HDHP option, IRS regulations require that the family (including any individual in the family) must meet at least the IRS-mandated minimum family deductible (e.g. $2,700 in 2019) before any reimbursement is made for eligible medical expenses (other than for preventive care). ................
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