Now that the 2018 TRS-Care plans have been in effect for a few months, TRS wants to help you understand parts of your plan that may seem confusing. In particular, we’ve received questions about the TRS-Care Standard family deductible and maximum out-of-pocket costs. Here’s how that works.
If you and your family are enrolled in the TRS-Care Standard plan, you have an in-network family deductible of $3,000. A single person or multiple persons in the family can meet this deductible. Even if you are on a family plan, you – an individual – will pay no more than $5,650. Collectively, you and your family will pay no more than $11,300 in out-of-pocket in-network expenses. This means that if two of the family members meet the family maximum out-of-pocket amount, the plan will cover all in-network expenses at 100 percent for the rest of the plan year.
TRS-Care Standard Plan Costs
| Plan details | In-network | Out-of-network |
|---|
|
Deductible | $1,500 individual
$3,000 family | $3,000 individual
$6,000 family |
|
Maximum out-of-pocket | $5,650 individual
$11,300 family | $11,300 individual
$22,600 family |
