Your Health Savings Account (HSA) works as a Preferred Provider Organization (PPO) health plan, which means covered services are paid at either an in-network or out-of-network level, depending on how you seek services. See your insurance policy for details.

Your Family Combined Deductible is the total cost of services (in- and out-of-network) for all individuals on your policy that you must pay before your plan begins to pay benefits. 

• All services apply toward the combined deductible except for in-network preventive care (see Preventive Health Care Guidelines for details).
• This deductible must be met each plan year.
• Once you have met your Family Combined Deductible, your plan benefits will be applied.