Does the annual deductible work the same way for all three options?

No. Option C has a combined medical and prescription drug deductible that is a “true family” deductible. This means that you and your covered dependents must meet the entire family deductible before coinsurance begins for any covered individual.

Under Option A and Option B, covered dependents’ coinsurance begins once he or she reaches the individual deductible, or coinsurance will begin for any covered member of your family once the family deductible is met.


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