What does run-in protection cover?

What does run-in protection cover?

• A. Claims incurred after the plan year
• B. Claims incurred before the plan year
• C. Only catastrophic claims
• D. Only low-cost claims

Answer: (B)

Run-in protection covers claims incurred before the plan year begins. It ensures that medical services started prior to the new plan year stay eligible for benefits under the current plan, preventing gaps at the year boundary. Remember that incurred means the service date, not when the bill is paid. It isn’t about post-year claims or specifically about catastrophic or low-cost claims; it’s about preserving coverage for pre-year services.

Run-in protection covers claims incurred before the plan year begins. It ensures that medical services started prior to the new plan year stay eligible for benefits under the current plan, preventing gaps at the year boundary. Remember that incurred means the service date, not when the bill is paid. It isn’t about post-year claims or specifically about catastrophic or low-cost claims; it’s about preserving coverage for pre-year services.