BASIC BENEFITS Included in All Plans

* Plans F & J also have an option called a high deductible Plan F and high deductible Plan J.  These high deductible plans pay the same or offer the same benefits as Plans F and J after one has paid a calendar year  $1860 deductible. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.  These expenses include the Medicare deductibles for Part A and Part B, but do not include, in Plan J, the separate prescription drug deductible or, in Plans F and J, the plan's separate foreign travel emergency deductible.