Page 27 - Demo

How do deductibles work? %u2022 Claims that count toward an individual%u2019s deductible also count toward the family%u2019s deductible. Once a person meets their deductible, they pay coinsurance and copays, which don%u2019t count toward the family deductible. %u2022 After any combination of family members meet the family deductible, the entire family pays only coinsurance and copays for medical care and prescriptions for the rest of the plan year. MOOPs work the same way.%u2022 An individual%u2019s deductible, copays and coinsurance count toward both individual and family MOOPs. Once a person meets their MOOP, the plan covers allowable expenses at 100% for the rest of the plan year.%u2022 After any combination of family members meet the family%u2019s MOOP, the plan covers the family%u2019s medical care and prescriptions at 100% for the rest of the plan year.But remember: %u2022 Costs for out-of-network providers are higher or may not be covered at all, depending on your plan.www.bcbstx.com/trsactivecare 27