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90 Degree Benefits revolutionizes healthcare cost-sharing with its Family Monthly Deductible (FMD) Plans, which spread deductibles evenly throughout the year, providing a budget-friendly solution for families. By lowering out-of-pocket costs and ensuring the health plan covers 100% of allowable charges once the monthly deductible is met, FMD promotes timely access to care and reduces financial stress. This innovative approach, proven effective for over 50 years, enhances member engagement, reduces claims utilization, and offers richer benefits compared to traditional health plans.