Dental Choice PlanSM EOBs show deductible credit
If you are a State of Texas Dental Choice PlanSM participant, any covered dental expenses that applied to your deductible during the last three months of 2012 will apply to your 2013 deductible. You can see the Carryover Credit deductible on the Explanation of Benefits (EOB) you receive after obtaining services.
The "accumulations toward deductibles," which starts in October of the prior year, means you don’t have to satisfy a deductible at the end of one year and a deductible at the start of another year. For Plan Year 2013, it will run from October 1, 2012 to December 31, 2013.
If John has individual coverage and met the $50 out-of-network deductible for Diagnostic & Preventive Services in November 2012, he won’t have to pay a deductible for these expenses again until January 1, 2014.
You can see the deductible on your EOB from HumanaDental. This carryover also applies to the combined deductible for Basic & Major Services.
Deductible Individual Limit
Diagnostic & Preventative Services:
- PPO/Traditional Preferred Network Dental Provider: $0
- Non-PPO/Traditional Preferred Network Dental Provider: $50
Basic & Major Services (combined):
- PPO/Traditional Preferred Network Dental Provider: $50
- Non-PPO/Traditional Preferred Network Dental Provider: $100
The Family Limit is three times the individual deductible per calendar year. Once your family reaches these limits, the deductible for your entire family will be satisfied for the calendar year.