Insurance Deductibles. Start over Jan 1 
Typically , medical expenses incurred from a specific claim that roll to the next year can be counted on the same claim and applied from last year 's deductible . Often this includes treatment that was done in the same year . If additional treatment is needed the following year , it is possible a new deductible will apply . Contact a local experienced broker and seek their help in this matter . You 'll be glad you did . 