If a claim is smaller than your remaining annual deductible, you must still submit it to us as normal. We will not pay any benefit, but the claim will count towards reaching your annual deductible. We will send you a statement informing you how much is left.
If an eligible claim exceeds your remaining annual deductible, we will pay the amount of the claim less the remaining annual deductible.
Once your annual deductible is reached, we will pay all eligible claims in full, up to the benefit limits of your plan.