Your Deductible Starts Over in January

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How to Make it Work For You

Every calendar year the deductible starts over. In other words, beginning January 1, 2019, you’ll pay the first $500 in covered services, then the Plan will begin paying benefits.

For families, that means:

  • When a family member meets the $500/person deductible, the Plan begins paying benefits for that person.
  • When the family has paid a total of $1,500 toward deductibles, the Plan begins paying benefits for all family members, even if the per-person deductible has not been met for each family member.

Once you’ve paid the annual deductible, make the most of it by scheduling and receiving any additional services you need by December 31.

Remember, the Plan pays benefits for some services right away, even if you haven’t paid your annual deductible. These include:

  • Preventive care services recommended by the Affordable Care Act
  • Acupuncture and chiropractic care
  • Outpatient mental health services
  • Hearing aids
  • Durable medical equipment
  • Ambulance transportation
  • Outpatient rehabilitation services
  • Hospice services
  • Home infusion therapy

If you have NOT met the full deductible by the end of the plan year, the Plan carries forward any amount you pay for medical services received in October, November or December, and applies it to the next year’s deductible.

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