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How does the medical deductible work if I have a mix of in-network and out-of-network providers?

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How does the medical deductible work if I have a mix of in-network and out-of-network providers?

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Amounts accrued towards in-network and out-of-network deductibles cross apply. For example, if you choose the Basic PPO and you had already met your $450 in-network deductible, and then went to an out-of-network doctor, you would need to meet an additional $400 to meet the out-of-network deductible of $850.

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