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Coinsurance and Deductible Amounts

Reminder: HealthSelect coinsurance maximums and non-network deductibles will start over January 1.

Your medical deductible and coinsurance amounts are calculated on a calendar year (January 1 – December 31). This means that on January 1, you will be responsible for any applicable deductible or coinsurance amounts. No deductible or coinsurance amounts are carried over from the previous calendar year.

Active Employees (All Ages) and Retirees Under Age 65

When you have in-area benefits and use network providers, you don't pay a medical deductible. See Benefit Highlights for coinsurance and deductible amounts PDF File (479 KB).

Retirees with Medicare:

For most services, you must meet Medicare and HealthSelect deductibles before benefits are paid. However, the amounts applied toward your Medicare deductible are also applied toward your HealthSelect deductible. See Benefit Highlights for more information PDF File (604 KB).

Your prescription drug deductible is determined on a plan year (September 1 – August 31).