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Does an out-of-pocket payment contribute to both the in-network and out-of-network deductibles?

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Does an out-of-pocket payment contribute to both the in-network and out-of-network deductibles?

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No, these are separate deductibles satisfied by different payments. A member’s payment(s) to in-network providers contribute to the in-network deductible only. The same member’s payments to out-of-network providers contribute to the out-of-network deductible only.

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