What is a 'deductible carryover' provision in a major medical policy?
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A
It allows unused deductible amounts to carry forward to the next year
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B
It allows expenses incurred in the last 3 months of the year to apply to the next year's deductible
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C
It waives the deductible if hospitalized more than 30 days
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D
It transfers the deductible obligation to a third party