Deductible Changes

One change to watch for is when the in-plan deductible and out of plan deductible. I used to have an overlapping deductible, meaning my $300 in-plan deductible was shared with the $500 out-of-plan deductible. Once I hit my $300 in-plan deductible I only had another $200 to fulfill my out-of-plan deductible. 

Then, one year I neglected to read the fine print, and discovered to my horror that the deductibles became separate. If you had expenses in both categories, you were liable for a total of $800 in deductibles

Read and review those year over year plan changes!