The effect of an annual out-of-pocket limit in an individual medical expense policy is to

A) limit the lifetime benefits payable under the policy.
B) put a cap on annual benefits the insurer will pay.
C) prevent the insured from receiving duplicate benefits if medical expenses are also covered under workers compensation insurance.
D) cover 100 percent of eligible medical expenses after an insured has incurred a specified amount of annual out-of-pocket expenses.

Answer: D