Virginia Health Insurance Practice Test

A Corridor Deductible in comprehensive major medical plans is a specific type of deductible that comes into play after a base plan’s benefits have been exhausted. This means that once the initial benefits outlined in the base plan are fully utilized, the corridor deductible must be met before additional benefits from the comprehensive major medical plan are provided.

This structure allows for a tiered approach to coverage, where the insured has access to a base level of benefits, and only after those are consumed must they meet the corridor deductible to continue receiving further coverage.

The other options do not accurately describe the mechanics of the Corridor Deductible. For example, a deductible that is paid annually without regard to the benefits claimed does not reflect the conditional utilization of benefits specific to the corridor deductible. Similarly, a deductible that is paid before any benefits are recognized or one that is tied to the insured's age does not capture the nature of how a corridor deductible functions, as it specifically refers to the transitional point between base plan coverage and additional major medical coverage.