Any money you spend on health care covered by the plan (including non-preventive prescription drugs) counts toward your deductible. If you have family coverage, the plan will not start sharing costs with you until the $3,600 family deductible is met (even if one family member meets the $1,800 individual deductible). In addition, the $1,800 employee and $3,600 family deductibles include medical care and prescription drugs. This is different from how the deductible works in most other medical plans (like the REI Choice Medical Plan). Keep in mind that you have a separate deductible for dental costs, and your dental expenses don’t apply toward your REI Saver Medical Plan deductible or out-of-pocket maximum.
For prescription drugs, you’ll pay the full cost of non-preventive drugs until you meet the plan deductible. Like the REI Choice Medical Plan, only preventive drugs purchased at in-network pharmacies apply toward the deductible and out-of-pocket maximum. The deductible doesn’t apply to preventive drugs (drugs intended to prevent disease or manage a condition, such as cholesterol-lowering medications).
Similarly, the money you spend on health care that is covered by the plan, including costs that apply to your deductible, counts toward your out-of-pocket maximum. If you have family coverage, the plan will not start paying 100% of the cost of care until the entire $7,200 family out-of-pocket maximum is met (even if one family member meets the $3,600 individual out-of-pocket maximum). In addition, the out-of-pocket maximums include both medical care and prescription drugs.