The calendar year deductible is the amount of covered medical expense a participant must pay each year before the Plan begins to pay its share of covered expenses. Once the calendar year deductible is met, the Plan pays a percentage of the allowable charge for covered medical expenses.
The initial $1,800 of covered medical expenses will apply to both the network and out-of-network deductible. After the initial $1,800 has been applied, only services rendered by an out-of-network provider will be applied to the additional $500 out-of-network deductible.