How is the family out-of-pocket maximum met in the Basic PPO and Classic PPO plans?

All eligible in-network and out-of-network expenses from covered family members apply toward the in-network $10,000 and $20,000 out-of-network out-of-pocket maximum. However, an individual family member will not be required to meet more than $5,000 of the family maximum before that individual’s claims are covered at 100%.