Deductible Transfer changing to plan with higher deductible
Individual had Medical Plan with Deductible of 00.
Deductible was met within a few months of start of calendar year.
Plan is on calendar year.
Mid-year Individual changed plan within the same company to a Family Plan.
The new deductible is 00 and 00 from prior plan was transferred ( the new plan started with 00 met for the deductible)
Both plans have the same co-insurance percentage.
The medical expenses that led to the deductible being met under the first plan were enough to have met the deductible under the second plan but only the portion initially applied to the deductible was transferred as deductible; anything above the deductible was either covered or paid as co-insurance.
Is it possible to ask the insurance to recalculate the medical expenses during the calendar year as if they had happened under the second plan so that the deductible is met as well?
(1)1 Comments
Sorted by latest first Latest Oldest Best
Who cares whether it is possible? It is not advantageous.
The reason you've only got 00 toward deductible is because you received benefits after reaching that point under the first plan. Returning those benefits in order to reach the new deductible more quickly would be pointless.
In the end, you'll have 00 of deductible, and (X-00) to which benefits applied. The fact that those occurred out of the usual order (as 00, Y-00, 00-00, X-Y+00-00) doesn't affect much of anything.
Terms of Use Privacy policy Contact About Cancellation policy © freshhoot.com2025 All Rights reserved.