We have a MERP(Medical Expense Reimbursement Plan) in our practice. We reimburse the employees for any deductible they spend over 1500.00 So, I do know when employees eat up their deductible because I have an explanation of benefit showing me how much I need to reimburse them. I try to know as little as possible about my employees’ health. It is none of my business. When I started there the employees would often see the docs in the practice for their primary care. I put a stop to this practice because of liability. If you have an unsatisfactory employee who also happens to have a serious health issue they could sue and say you fired them because you knew of their health condition.