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Glossary

Excepted Benefits

There are several types of excepted benefits.

  • Certain benefits are always treated as excepted benefits because they are not considered health coverage, such as:
    • Accident Only
    • Disability Income Insurance
    • Workers’ Compensation
  • Other benefits are treated as excepted benefits if they are offered separately or are not an integral part of the plan, including:
    • Limited-Scope Dental or Vision
    • Long-Term Care Benefits
  • Moreover, other benefits are treated as excepted benefits if they are offered separately and not coordinated with benefits under another group health plan, including:
    • Coverage for a Specific Disease
    • Hospital Indemnity or Other Fixed Indemnity
  • Finally, other benefits are treated as excepted benefits if they are offered as a separate insurance policy and supplemental to Medicare, Armed Forces health care coverage, or (in very limited circumstances) group health plan coverage.

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