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If you cover dependents, it%u2019s important to understand how deductibles and out-of-pocket limits work so you%u2019re not hit with surprises. The deductible is the amount you pay yearly for covered health care services before your health plan starts to pay. Health plans pay the total cost of certain preventive benefits and medications even before you meet your deductible. Every covered family member has a deductible and maximum out of pocket. The whole family also has a deductible and MOOP. With all TRS-ActiveCare plans, individuals need to meet their deductible before the plan begins to pay coinsurance. They don%u2019t have to meet the family deductible for coverage to start, so they%u2019ll get benefits sooner. UNDERSTANDING YOUR FAMILY DEDUCTIBLE AND MAXIMUM OUT-OF-POCKET AMOUNTS 26 www.bcbstx.com/trsactivecare