CDHP Plans In - Network Out - of - Network Generic (Retail) 0% after Deductible 40% after Deductible Preferred (Retail) 40% after Deductible 40% after Deductible Non - Preferred (Retail) 50% after Deductible 40% after Deductible Generic (Mail - order) 0% after Deductible N/A Preferred (Mail - order) 40% after Deductible N/A Non - Preferred (Mail - order) 50% after Deductible N/A