The deductible is the amount of covered charges you pay each year for basic and major services combined before the plan begins paying benefits. In both plans, you pay a $50 per person deductible each year for individual coverage and $150 deductible for family coverage. With family coverage, the maximum deductible is $150.

The annual deductible applies to basic and major services combined – you don't have to meet a separate deductible for each type of service you receive.

For example, if you satisfy the individual deductible after paying for basic treatment, like a filling, no deductible would be required if you need major treatment, such as a crown, later in the year.

If you have selected family coverage, a combination of covered family members must meet the family annual deductible. Once the family deductible is met, no one person has to meet the individual deductible for the remainder of a given year.