We understand from all the regulations that there is no annual or lifetime dollar limit for essential health benefits. However, there is nothing that indicates a per visit dollar maximum cannot be applied. We have a situation where the ambulance benefit is $300 per trip. It falls under essential health benefits. The reinsurer indicates that the per trip (visit) limit does not fall under that annual/lifetime limit and only the $300 will apply toward the $30,000 air ambulance charge.