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The effect of an annual out-of-pocket limit in an individual medical expense policy is to O prevent the insured from receiving duplicate benefits if medical expenses are also covered under workers compensation insurance. waive the deductible requirement of the policy. O cover 100 percent of eligible medical expenses after an insured has incurred a specified amount of annual out-of-pocket expenses. O put a cap on annual benefits the insurer will pay, S O limit the lifetime benefits payable under the policy