Get to Know Your Deductible
Make the Most of Your Benefits
Each calendar year (January 1-December 31), you pay an annual deductible before the Plan begins paying medical benefits. For example, if your deductible is $500, the Plan will begin paying benefits for covered services after you’ve paid the first $500 of allowable expenses.
- Know your annual deductible amount. See your Plan details on aetf.com: click Health & Welfare, then Medical, then Deductibles and Co-Payments. Keep track of how much of the deductible you’ve paid year-to-date. This is listed on the Explanation of Benefits (EOB) statements you receive after you get care.
- For families, the Plan pays benefits for each individual as soon as he or she has met the per-person deductible. When the family deductible is met, the Plan pays benefits for all family members, even those who haven’t met the per-person deductible.
- There is a separate deductible for hospital inpatient admissions, in addition to the annual deductible.
- No deductible is required for recommended preventive care services, Wellness & Minor Care program services, Coalition Health Center services, dental care, vision services or prescription drugs.