Carryover provisions are designed to help with late-year claims by carrying over what?

• A. Carryover Provisions
• B. Stop Loss Feature
• C. Corridor Deductible
• D. Common Accident/Common Sickness

Answer: (A)

Carryover provisions address what happens to an unfinished deductible when the year ends. If you have late-year medical bills and haven’t met your deductible by December, the portion of the deductible that remains unpaid can be carried into the next policy year. This way, those late expenses still count toward meeting the new year’s deductible, helping to smooth out gaps in coverage.

So the thing carried over is the unpaid deductible amount from the previous year. Other features like stop-loss protection, a corridor deductible, or common accident/common sickness terms refer to different plan protections or definitions and do not describe this carryover mechanism. For example, if you had a $1,000 deductible and $250 of it remains unpaid at year-end, that $250 would carry over to apply toward the next year’s deductible.