2025 Blue Cross and Blue Shield Service Benefit Plan - FEP Blue Focus
Section 4. Your Costs for Covered Services
Carryover
Section 4. Your Costs for Covered Services
Carryover
Carryover
If you change to another plan during Open Season, we will continue to provide benefits between January 1 and the effective date of your new plan.
Because benefit changes are effective January 1, we will apply our next year’s benefits to any expenses you incur in January.
If you change options in this Service Benefit Plan during the year, we will credit the amounts already accumulated toward the catastrophic protection out-of-pocket limit of your old option to the catastrophic protection out-of-pocket limit of your new option. If you change from Self Only to Self Plus One or Self and Family, or vice versa, during the calendar year, please call us about your out-of-pocket accumulations and how they carry over.
If you change to another plan during Open Season, we will continue to provide benefits between January 1 and the effective date of your new plan.
- If you had already paid the out-of-pocket maximum, we will continue to provide benefits as described above until the effective date of your new plan.
- If you had not yet paid the out-of-pocket maximum, we will apply any expenses you incur in January (before the effective date of your new plan) to our prior year’s out-of-pocket maximum. Once you reach the maximum, you do not need to pay our deductibles, copayments, or coinsurance amounts (except as previously shown) from that point until the effective date of your new plan.
Because benefit changes are effective January 1, we will apply our next year’s benefits to any expenses you incur in January.
If you change options in this Service Benefit Plan during the year, we will credit the amounts already accumulated toward the catastrophic protection out-of-pocket limit of your old option to the catastrophic protection out-of-pocket limit of your new option. If you change from Self Only to Self Plus One or Self and Family, or vice versa, during the calendar year, please call us about your out-of-pocket accumulations and how they carry over.