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Can plans that previously had annual limits on certain benefits (i.e. gastric bypass surgery) exclude from coverage those benefits instead of having a limit on them?

April 26, 2017annual Benefits bypass certain Gastric limits plans surgery

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Can plans that previously had annual limits on certain benefits (i.e. gastric bypass surgery) exclude from coverage those benefits instead of having a limit on them?

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A. Yes, in certain instances. Self-insured plans are only required to offer “minimum essential benefits.” Plans are not required to offer “essential” benefits but if they do, they may not have coverage limits on them.