CARRY OVER YOUR DEDUCTIBLE TO NEXT CALENDAR YEAR
[Pages:1]CARRY OVER YOUR DEDUCTIBLE TO NEXT CALENDAR YEAR
Your deductible is the dollar amount you pay for certain medical services, usually those used to diagnose, treat, or monitor health conditions, before coverage starts for those services. You may also have a deductible for pharmacy services. For example, if your plan has a $500 annual deductible, you pay the first $500 for services that apply toward the deductible, and then Tufts Health Plan will cover those services for the rest of the year, subject to your benefits.
Your deductible runs between January 1 and December 31 every year. Any amount that you pay toward your deductible in the fourth quarter of a calendar year (between October 1 and December 31) is credited for the current year and the next year. This may help you save money when you need services near the end of the year.
How It Works Here is an example that shows how the fourth quarter deductible carryover works.
Example Calendar Year Deductible
Joe receives no medical services in the calendar year until he injures his back in October.
He sees his primary care provider on October 26 and a specialist on October 30. He then has follow-up visits with the specialist and physical therapy visits in November and December.
Joe's plan has a $500 deductible, and these visits related to his injury result in his paying $350 of his deductible.
$500
Deductible Amount Satisfied $350 in the Fourth Quarter
Deductible Amount
$150
left to pay in the new
Calendar Year
Result
Because Joe paid $350 of his deductible between October 1 and December 31, his deductible for the following calendar year will be only $150.
CALENDAR YEAR 1
January February March April May June July August September
October November December
Any $ accrued toward your deductible applies to
Calendar Year 1 only.
Any $ accrued toward your deductible applies to Calendar Year 1 AND
Calendar Year 2.
CALENDAR YEAR 2
January February March April May June July August September October November December
You start this year needing to meet your total deductible minus anything accrued in October, November and
December in Calendar Year 1.
Track Your Deductible Online Did you know that you can track your progress toward your deductible online? Visit and click "Login" on the Members tab. After you have logged in, click "View Benefits & Coverage," then "Deductible & Out-of-Pocket Maximums."
If you have any questions, call Member Services at the number on the back of your member ID card.
Please note: Deductible carryover does not apply to HSA compatible Advantage Saver plans.
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