What are expenses that can be carried over based on the carryover provision?

The carryover provision typically allows for certain medical expenses incurred in the last few months of a previous benefit year to be applied toward the deductible of the new benefit year. This helps individuals transition between coverage periods without losing the value of their out-of-pocket expenses. Specifically, expenses that occur in the final three months of the year can be particularly beneficial, as they often include medical services that might have otherwise not counted toward the deductible until the new year.

Other options do not accurately represent the purpose of the carryover provision. For example, all medical expenses from the past year do not qualify since only specific recent expenses are eligible. Similarly, only those exceeding the deductible would not align with the spirit of the carryover provision, which focuses instead on the timing of expenses rather than their total cost relative to the deductible. Finally, limitations to in-network providers contradict the general intent of the carryover provision, as it is designed to help users maximize their benefits without such restrictions based solely on provider networks.