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Mary, I used to have BCBS of Oregon. The benefits and costs most likely vary depending on what region, but I do remember that according to my benefits plan if you enroll in a BCBS plan within 3 months of year-end, they roll over the amount you've paid towards your out-of-pocket maximum into the next year. Is there a Customer Service number in the info packet you have? If not, call Information for their number and ask Customer Service your questions. In my experience with BCBS, their people were without fail polite, very helpful and very knowledgeable.
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