"[In]-kind awards (such as gift certificates) and non-financial incentives (for example, fitness gear) provided by a health plan must be included when determining whether the total award (or penalty) is within the permissible threshold.... Plans may not impose a blanket exclusion on weight management services for obese adults ... Women found to be at increased risk for a harmful gene mutation (BRCA) must receive coverage without cost sharing for genetic counseling and, if indicated, testing for BRCA mutations."

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