Summary Plan Description

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 person covered under the plan has his or her own $200 annual deductible. 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. If you incur deductible expenses in the last three months of a calendar year, those expenses will also apply toward your annual deductible for the next calendar year. This is known as the deductible "carryover."