Do in- and out-of-network services apply towards the same deductible?
Yes. Under the Blue Cross Blue Shield PPO, deductible expenses that you incur can apply against both in- and out-of-network deductibles. In other words, deductible expenses you incur for out-of-network services will apply towards your in-network deductible requirement and deductible expenses you incur for your in-network services will apply towards your out-of-network deductible requirement.
