When you have a Preferred Provider Organization (PPO) plan, covered services are paid at either the In-Network level or the Out-of-Network level depending upon how you seek services. See your insurance policy for details.

An Individual Out-of-Network Deductible is how much you must pay for out-of-network services for any one individual on your policy before your plan begins to pay out-of-network benefits for that individual.

• Only out-of-network services covered by your policy apply to the out-of-network deductible.
• Your deductible must be met each plan year.
• The individual deductible does not apply if you are enrolled in a PriorityHSA^SM plan with a Health Savings Account and you have more than one person on your policy.