Don't be caught off-guard

Maybe you’ve experienced this: You’re paying for your prescription at the pharmacy and the amount is more than you expected or higher than what you paid the last time you bought the medication.

Remember, most prescription drug deductibles and, if applicable, medical deductibles reset January 1. You’ll have to reach the deductible amount before the plan pays its share. Coinsurance and out-of-pocket maximums also start over with the new year. (Copays for Community First Health Plans and Scott and White Care Plans reset September 1. HealthSelect^SM Medicare Advantage Plan preferred provider organization does not have a deductible.)

You can see annual deductible, coinsurance and out-of-pocket maximum amounts on the Health Plan Comparison chart that came in your annual benefits enrollment packet earlier this year, or view Comparison Charts and Premium Rates for Retirees.