Are there separate deductibles and out-of-pocket maximums for in-network and out-of-network expenses?
Yes, there are separate deductibles and out-of-pocket limits for in-network and out-of-network benefits. The expenses you incur for in-network benefits only accumulate towards your in-network deductible and out-of-pocket maximum. The expenses you incur for out-of-network benefits only accumulate towards your out-of-network deductible and out-of-pocket maximum. For example, if you have already met your in-network deductible, and then decide to go out-of-network for surgery, you would have to start accumulating out-of-network expenses towards your out-of-network deductible and out-of-pocket maximum.
Related Questions
- How do the network and out-of-network deductibles and out-of-pocket maximums work together if I sometimes go to network doctors and sometimes to out-of-network doctors?
- Are there separate deductibles and out-of-pocket maximums for in-network and out-of-network expenses?
- Are Separate Deductibles and Out-of-Pocket Maximums Allowed?
