What is an individual deductible carry-over provision?
In some cases, the amounts paid toward an individual deductible can carry over to the following year. If the deductible applies to an individual, but the individual does not meet their deductible for the year, any claims for services incurred in the last three months of the year (October, November, and December) are carried over and are applied to the deductible for the following year. Examples of carry over for an employee and spouse covered in the $900 deductible plan: • Employee has $200 in covered charges applied to the deductible in March and $550 in October and no other charges during the year. The $550 paid toward the deductible in October is carried over to the following year, because the individual $900 deductible was not met for the year ($200 + $550 = $750). The employee will only have an additional $350 in covered services to meet the deductible ($550 + $350 = $900) in the carry-over year. • Spouse has $400 in covered charges in March and $550 in October and no other charge
