Deductible tracking error
The deductible was already met. A later claim still charged deductible.
Earlier EOBs and coverage totals showed the deductible was satisfied. A later claim treated part of the visit as if the deductible still remained.
Deductible remaining$0
New deductible charge$220
Potential correction$220
What happened
1
The coverage period already crossed the deductible
Prior EOBs and plan totals showed the deductible remaining had reached $0 for the active coverage period.
2
A later EOB applied deductible again
A new claim assigned $220 to deductible even though there should have been no deductible left to satisfy.
3
The running total exposed the error
Insured Guard compared the claim to the deductible history and highlighted the deductible charge as inconsistent.
Deductibles reset by period, not by provider statement.
How do we know
It keeps a running deductible ledger.
The app totals deductible accumulation across EOBs inside the same coverage period. If the deductible is already met and a later claim still applies deductible, the conflicting amount is flagged for review.