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Learn the differences between high deductible and low deductible health insurance plans and what the benefits are so you can make a more informed decision. What you pay to see. Learn the difference between plan year and calendar year in health insurance, and how they affect deductibles, premiums, and benefits. Learn what a deductible is, how it works, and the different types of deductibles for.
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You've met your annual $5,000 deductible so your plan now pays for benefits. Per calendar year (pcy) is a term used by insurance companies to define the time period for which certain benefits or coverage limits apply.









