Your employer may require that you first use paid leave, such as saved vacation days. Any paid leave you take beforehand will not count towards your FMLA leave. So, if you're required to take two weeks paid vacation, you may also take 12 FMLA weeks, for a total of 14 weeks of leave.
The individual annual pharmacy deductible amount is the most each individual in your family can contribute to the family annual pharmacy deductible per benefit year. For example, say you have a family of four, with a family pharmacy deductible of $500, and an individual pharmacy deductible of $250.
Let's say your plan's deductible is $1,500. That means for most services, you'll pay 100 percent of your medical and pharmacy bills until the amount you pay reaches $1,500. After that, you share the cost with your plan by paying coinsurance and copays. Coinsurance is your share of the costs of a health care service. It's usually figured as a percentage of the amount we allow to be charged for services. You start paying coinsurance after you've paid your plan's deductible.