Fundamentos de Accidente y SaludPregunta 470 de 716
A 'calendar-year' deductible in a medical plan means the insured must satisfy the deductible:
a.Once during each year, after which the plan begins paying its share
b.Only once in the insured's entire lifetime, after which it would never apply again
c.Fresh at the start of every month
d.Separately for each different illness
Explicación
A calendar-year (or annual) deductible must be met once during each year; once the insured's covered costs reach that amount, the plan pays its share for the rest of the year, and the deductible resets the following year. A deductible applied to each separate illness is a per-cause deductible. It is not a one-time lifetime deductible, and it does not reset monthly. The calendar-year structure is the most common deductible design in medical expense plans.
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Preguntas relacionadas de este tema
- Once an insured's covered out-of-pocket expenses reach the plan's 'stop-loss' (out-of-pocket maximum) for the year, the plan generally:
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- A 'family deductible' provision in a medical plan generally:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)