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Deductible Carryover:

Many plans offer a provision called a deductible carryover. This provision allows you to carry over to the next year any unmet portion of the deductible that you, or your family, run up in October, November and December. For example, assume you had no medical claims in the first part of the year. In November, you run up $350 worth of claims. If your deductible was $500, you would start the next year with $350 of your $500 deductible already met.

Additional Information on Individual Health Insurance

Preferred Provider Organizations (PPOs)
Health Maintenance (HMOs)
Deductible
Family Deductible
Deductible Carryover
High Deductible Plans and Saving Money
Out of Pocket Maximum

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