Which of the following is an example of a deductible carryover?

a. S has a $500 deductible and paid $450 during the first quarter but had no medical claims during the rest of the year. S only needs to pay $50 the next year to meet that year's deductible.

b. K has a $500 individual deductible for her family with a maximum three individual payment. K has 5 family members and three of the meet the deductible this year, so the other two do not need to pay money toward the deductible.

c. C has a $500 deductible and paid $700 this year with the deductible and coinsurance. C can carry over $200 towards any deductibles needed next year.

d. P has a $500 deductible and had no medical claims in the first part of the year, but ran up $350 worth of claims in November. P only needs to pay $150 the next year to meet that year's deductible.

Answer: D

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