In-Network:
80% of R&C, after annual deductible
Out-of-network:
80% of R&C, after annual deductible; 60% of R&C, after annual deductible, for U.S. out-of-network services
In-Network:
80% of R&C, after annual deductible
Out-of-network:
80% of R&C, after annual deductible; 60% of R&C, after annual deductible, for U.S. out-of-network services
Please watch this important video on your 2016 Morgan Stanley Benefits.