14 Plan Pays 80% 60% 50% Member Pays 20% 40% 50% Reminder : Except for Surprise Billing Claims, y our Coinsurance will be based on the Maximum Allowed Amount. I f you use an Out - of - Network Provider, you may have to pay Coinsurance plus the difference between the Out - of - Network Providers billed charge and the Maximum Allowed Amount. Note: The Coinsurance listed above may not apply to all benefits, and some benefits may have a different Coinsurance. Please see the rest of this Schedule for details. Out - of - Pocket Limit Tier 1 In - Network Providers Tier 2 All Other In - Network Providers Tier 3 Out - of - Network Providers Per Member $7,000 $7,000 $21,000 Per Family - All other Members combined $14,000 $14,000 $42,000 The Tier 1 and Tier 2 Out - of - Pocket Limit is combined, but the Tier 3 Out - of - Pocket Limit is separate. The Out - of - Pocket Limit includes all Deductibles, Coinsurance, and Copayments you pay during a Benefit Period unless otherwise indicated below. It does not include charges over the Maximum Allowed Amount or amounts you pay for non - Covered Services. The Out - of - Pocket Limit does not include amounts you pay for following benefits: Out - of - Network Human Organ and Tissue Transplant (Bone Marrow / Stem Cell), Cellular and Gene Therapy Services . No one person covered under a family plan will pay more than their individual Out - of - Pocket Limit. Once th e Out - of - Pocket Limit is satisfied, you will not have to pay any additional Deductibles, Coinsurance, or Copayments for the rest of the Benefit Period , except for the services listed above . The In - Network and Out - of - Network Out - of - Pocket Limits are separate and do not apply toward each other. Important Notice about Your Cost Shares In certain cases, if a Provider is paid amounts that are your responsibility, such as Deductibles, Copayments or Coinsurance, such amounts may be collected directly from you. You agree that we, on behalf of the Employer, have the right to collect such amounts from you. The tables below outline the Plans Covered Services and the cost share(s) you must pay. In many spots you will see the statement, Benefits are based on the setting in which Covered Services are received. In these cases you should determine where you will receive the service (i.e., in a doctors office, at an outpatient hospital facility, etc.) and look up that location to find out which cos t share will apply. For example, you might get physical therapy in a doctors office, an outpatient hospital faci lity, or during an inpatient hospital stay. For services in the office, look up Office Visits. For services in the outpatient department of a hospital, look up Outpatient Facility Services. For services during an inpatient stay, look up Inpatient Services.