Moop Rollover

What if the years you barely used your plan made next year's even better? What if staying healthy lowered next year's maximum out-of-pocket?

When you don't meet your Moop (maximum out-of-pocket) in a calendar year, 50% of what you paid towards your Moop will be credited to the following calendar year.

How does the maximum out-of-pocket rollover work?

Take the Fortress Plan 10K. Your Moop is $10,000, the most you'd pay out of pocket before the plan covers 100%.

Year 1: You have a rough first year. $16,000 in sickness claims. You pay $8,000 out of pocket, but never cross the $10,000 threshold. The plan never had to go to 100%. You didn't get the full benefit. So we credit you. Half of what you paid, $4,000 rolls to the second year.

Year 2: Your effective Moop for year two is $6,000 ($10,000 Moop minus $4,000 credit). A quieter year. $2,000 in claims, $1,000 paid out of pocket. That $1,000 gets added to your $4,000 credit for a new balance of $5,000. Half of that, $2,500 rolls to the third year.

Year 3: Your effective Moop for year three is $7,500 ($10,000 Moop minus $2,500 credit).

Every year the plan doesn't go to 100%, what you paid gets added to your credit, and half of the total rolls forward. The years you need us less make the next year stronger.

Why does the moop rollover matter?

Stewardship counts. Light year on the plan? You don't reset to zero. You earned something.

Loyalty compounds. Every healthy year stacks. You're not renting coverage. You're building equity.

It's there when you need it. Hard year ahead? Your credit is waiting. Lower Moop, right when it matters.

Accident and Sickness policies have separate out-of-pocket maximums. Subject to limitations and non-covered services of the Policies. Pregnancy and maternity in the first year are subject to a separate pregnancy deductible.