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What you need to know: 2021 health insurance deductibles restart Jan. 1

Both medical and prescription drug insurance coverage deductibles restart Jan. 1, 2021. What does that mean for you? A few things. Until you reach the $50 prescription drug deductible, you might pay more the next time you fill a prescription. And, coinsurance and out of pocket maximums for most plans also restart in the new year. Get all the info you need here in the chart below:

2021 health insurance deductibles - what you need to know

If you are enrolled in: When does the deductible restart? Annual deductible

HealthSelect of Texas (your eligibility county on file with ERS is in Texas and you're not eligible for Medicare)

or

HealthSelect Out-of-State (your eligibility county on file with ERS is outside Texas and you're not eligible for Medicare)

In-network: There is no medical deductible to see in-network providers

Out-of-network: The out-of-network medical deductible restarts on Jan. 1

The prescription drug deductible of $50 restarts on Jan. 1

In-network: No deductible

Total In-network out-of-pocket maximum: $6,750 per person/$13,500 per family

Out-of-pocket coinsurance maximum: $2,000 per person

Out-of-network: $500 per person/$1,500 per family

Out-of-pocket coinsurance maximum: $7,000 per person

Consumer Directed HealthSelect

In-network: Combined medical and pharmacy deductible restarts on Jan. 1

Out-of-network: Combined medical and pharmacy deductible restarts on Jan. 1.

Note: Consumer Directed HealthSelect has a combined medical and pharmacy deductible, which means that both medical and prescription drug expenses count toward meeting the deductible. 

In-network: $2,100 per individual/$4,200 per family

Total In-network out-of- pocket maximum: $6,750per person/$13,500 per family

Out-of-pocket coinsurance maximum: $7,000 per person

Out of network: $4,200 per individual/$8,400 per family