Combined Maximum

A combined maximum is a shared limit that applies across multiple services or benefit types. Instead of separate dollar caps for each category, one total amount covers several related expenses. For instance, physiotherapy, chiropractic, and massage therapy might share a $700 combined maximum, meaning any combination of those services counts toward the same pool.

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This arrangement simplifies plan design and controls overall costs while giving flexibility to allocate benefits where needed.

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Example:

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If you use $300 for physiotherapy and $400 for massage, you have reached the $700 combined maximum for that group.

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What to Watch For:

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Check whether your combined maximum resets annually and which practitioners or benefits are grouped together.