Depending on the terms of your policy and how frequently you’ve used your insurance this year, you may be close to or have already met your deductible and maximum out-of-pocket limit for 2020. This means any medical costs that exceed this limit could be 100% covered by your insurance company with no additional costs to you. Even if you haven’t met this limit yet, you are only responsible for covering expenses up to that point. Once met, your insurance kicks in and takes care of the rest. However, the window for taking advantage of these end of year savings is small: January 1st, 2021 marks a new year and a reset of plan premiums for most people.
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