There is no way to know if the same coverage will be in the next year’s policy. Employers often “shop” their policies every year or two, and can change the coverages in the policy each year to reduce cost, for instance. Also, employers sometimes change insurance companies at year end, so I wouldn’t assume the same benefit will be available in future years. The same thing is true of Medicare Advantage plans. And of course, the user may change jobs at any time.
You’re ignoring this member’s posts.