Under the Expatriate Medical Plan option, you must satisfy an annual deductible — a set dollar amount that you pay out of pocket before that plan shares in the cost of care. The deductible does not apply to prescription drug expenses or certain services like preventive care if services are received outside the U.S. or in-network in the U.S. After the deductible has been met, you only pay the applicable coinsurance percentage for any subsequent care for the remainder of that calendar year. Out-of-network care in the U.S. has a higher deductible, and amounts in excess of reasonable and customary (R&C) charges do not count toward the out-of-network deductible.

If you elect coverage for yourself or yourself plus one dependent, each covered person must pay all eligible expenses until the per-person deductible is met. Then, eligible expenses are covered at the coinsurance rate indicated for that service. Expenses for two covered individuals are not combined. Once a covered person meets the per-person deductible, that person is no longer subject to a deductible for any subsequent care they receive during that remaining calendar year.

If you elect coverage for yourself plus two or more dependents, all expenses incurred by you and/or your covered dependents combine to meet the appropriate total deductible (employee plus children or family deductible). If no one person meets the per-person deductible, but combined participant expenses meet the total deductible amount, no further deductible is required for that calendar year. After a covered person meets the per-person deductible amount, that person will pay no further deductible.

The maximum deductible any one covered person must pay during each calendar year is equal to the per-person amount. After one person meets the per-person deductible, that person will pay no further deductible, but other covered persons must continue to pay deductibles until the total family deductible is satisfied.

The following table shows the annual deductibles for the different coverage levels.