What is meant by the term $$safe harbor,$$ where does it have a role, and what are its limitations$?($Select the best answer.$)$

Group of answer choices

The $$safe harbor$$ is a term used when discussing MA V$-$BID plans. Currently, the HHS determines coverage limits due to risk pools for these plans. Under HHS guidelines, all preventive services must be partially covered at $75\%$ prior to meeting the deductible. This coverage is referred to as $$safe harbor$$ because it makes services more affordable than they were before. The coverage also includes preexisting conditions but not cosmetic procedures.

The $$safe harbor$$ is a term used when describing pharmaceutical coverage and the application of clinical nuance. Currently, pharmaceutical companies and PBMs determine how much drugs will cost for patients under V$-$BID plans. Under federal guidelines, only tier$-$one drugs may be covered up to $50\%.$ This is referred to as the $$safe harbor$$ because tier$-$one drugs now become more affordable. However, federal guidelines state that safe harbor coverage does not include $$any pharmaceutical intended to treat an existing illness, injury, or condition.$$

The $$safe harbor$$ is a term used to describe a plan that provides little to no cost sharing for patients who have preexisting conditions. Currently, federal guidelines determine coverage based on existing DRGs from previous visits, encouraging patients to visit their PCP for care. Under HHS guidelines, all services for patients with preexisting conditions must be fully covered prior to meeting the deductible. This is the $$safe harbor.$$ However, it does not include any chemotherapy.

The $$safe harbor$$ is a term used when discussing HSA$-$HDHPs$.$ Currently, the IRS determines the coverage limits due to tax implications for these types of plans. Under IRS guidelines, certain preventive care services must be fully covered prior to meeting the deductible. This coverage is referred to as the $$safe harbor.$$ However, the IRS guidance states that safe harbor coverage does not include $$any service or benefit intended to treat an existing illness, injury, or condition, including drugs or medications.$$