In a major medical plan, which type of deductible must be satisfied again for each illness or accident?

• A. Specific-Cause
• B. Per-Cause
• C. All-Cause
• D. Comprehensive-Cause

Answer: (B)

Deductibles in major medical plans can reset for each separate illness or accident. The per-cause deductible means you must satisfy the deductible again whenever a new illness or accident occurs. This treats each medical event as its own claim, so benefits for one illness don’t cover another distinct illness without meeting the deductible again. For example, if you have a separate illness later in the year, you’d pay the deductible once for that illness before benefits apply there. Other deductible types would imply a single deductible across multiple illnesses or use nonstandard terms, which doesn’t fit the situation described.