In-Network: $2,300 (deductible includes prescription drugs, however CSP program does not apply to pharmacy-related expenses)
Out-of-Network: $4,600 (deductible includes prescription drugs, however CSP program does not apply to pharmacy-related expenses)
Family Deductible
In-Network: $1,250
Out-of-Network: $2,500
In-Network: $2,500
Out-of-Network: $5,000
In-Network: $4,600 (deductible includes prescription drugs, however CSP program does not apply to pharmacy-related expenses)
Out-of-Network: $9,200 (deductible includes prescription drugs, however CSP program does not apply to pharmacy-related expenses)
Out-of-Network Reimbursements
Out-of-network reimbursements are based on eligible expenses as determined by the Plan administrator. You are responsible for any payments required to the provider in excess of the reasonable and customary amount.
Amounts paid to out-of-network providers count toward the in-network and out-of-network annual deductible. The amount you pay toward your annual deductible is included in your out-of-pocket maximum.
Please watch this important video on your 2016 Morgan Stanley Benefits.