Annual
Deductible
The $200 annual deductible is the amount of
covered medical expenses you must pay each
calendar year before the plan pays benefits.
Each individual covered under the plan has
his or her own annual deductible. If you incur
expenses in the last three months of a calendar
year and those expenses are applied toward
your annual deductible, those expenses will
also apply toward your annual deductible for
the next year. This is known as the deductible
"carryover." When you and your dependents
have paid a combined deductible expense of
$400 in a calendar year, no further deductible
is required for any family member during that
calendar year.
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