It is renewal time and my employer has changed policies for a cheaper rate. I have met my deductible already this year and wonder if I will have to meet another deductible when the policy changes over to the new one.
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It will depend on how your group plan is set up. If you are setup on a calendar year, then you should be okay. However, if you are on a contract year then you may have to start again. If the company is the same, and in years past when you met the deductible prior to renewal and you did not have to meet the deductible again, then this case should be the same. You need to ask your HR department or if you have an insurance representative assigned for questions, then ask that person. It will depend on how your company has their agreement with the insurance company.
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