A post in the Family section reminded me of a question I've been meaning to ask. Do I need to be concerned about the Lifeimte Max Coverage that our insurance policy has? I always assumed that since my husband's employer switches insurance companies or plans each year that the Lifetime Max started fresh with each policy. For instance one year we might be with Anthem and the next year we might be with United HealthCare and then the next year we might be back with Anthem. Or there have been years that we stay with United Healthcare, but the plans change from one year to the next - different coverage and different policy numbers. So does it start fresh with each policy? Or does each insurance company keep track of how much you've spent with them over the years?
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Lifetime Max on Insurance Coverage
- Thread starter Buckeye
- Start date
A post in the Family section reminded me of a question I've been meaning to ask. Do I need to be concerned about the Lifeimte Max Coverage that our insurance policy has? I always assumed that since my husband's employer switches insurance companies or plans each year that the Lifetime Max started fresh with each policy. For instance one year we might be with Anthem and the next year we might be with United HealthCare and then the next year we might be back with Anthem. Or there have been years that we stay with United Healthcare, but the plans change from one year to the next - different coverage and different policy numbers. So does it start fresh with each policy? Or does each insurance company keep track of how much you've spent with them over the years?
A post in the Family section reminded me of a question I've been meaning to ask. Do I need to be concerned about the Lifeimte Max Coverage that our insurance policy has? I always assumed that since my husband's employer switches insurance companies or plans each year that the Lifetime Max started fresh with each policy. For instance one year we might be with Anthem and the next year we might be with United HealthCare and then the next year we might be back with Anthem. Or there have been years that we stay with United Healthcare, but the plans change from one year to the next - different coverage and different policy numbers. So does it start fresh with each policy? Or does each insurance company keep track of how much you've spent with them over the years?
A post in the Family section reminded me of a question I've been meaning to ask. Do I need to be concerned about the Lifeimte Max Coverage that our insurance policy has? I always assumed that since my husband's employer switches insurance companies or plans each year that the Lifetime Max started fresh with each policy. For instance one year we might be with Anthem and the next year we might be with United HealthCare and then the next year we might be back with Anthem. Or there have been years that we stay with United Healthcare, but the plans change from one year to the next - different coverage and different policy numbers. So does it start fresh with each policy? Or does each insurance company keep track of how much you've spent with them over the years?
A post in the Family section reminded me of a question I've been meaning to ask. Do I need to be concerned about the Lifeimte Max Coverage that our insurance policy has? I always assumed that since my husband's employer switches insurance companies or plans each year that the Lifetime Max started fresh with each policy. For instance one year we might be with Anthem and the next year we might be with United HealthCare and then the next year we might be back with Anthem. Or there have been years that we stay with United Healthcare, but the plans change from one year to the next - different coverage and different policy numbers. So does it start fresh with each policy? Or does each insurance company keep track of how much you've spent with them over the years?
I think it was probably my post in the family section that you were referring to. I am anxious to see what the answers are. In my instance, I work for the county government and I have been employed with them for the past 12 years. We are self insured and have had the same carrier for the last 12 years, they have never switched and it does not look likely in the near future. I am very concerned that she is going to meet her lifetime maximum of $2 million dollars! Does anyone know what happens you meet the lifetime max? Can you then possibly qualify for medicaid?
I think it was probably my post in the family section that you were referring to. I am anxious to see what the answers are. In my instance, I work for the county government and I have been employed with them for the past 12 years. We are self insured and have had the same carrier for the last 12 years, they have never switched and it does not look likely in the near future. I am very concerned that she is going to meet her lifetime maximum of $2 million dollars! Does anyone know what happens you meet the lifetime max? Can you then possibly qualify for medicaid?
I think it was probably my post in the family section that you were referring to. I am anxious to see what the answers are. In my instance, I work for the county government and I have been employed with them for the past 12 years. We are self insured and have had the same carrier for the last 12 years, they have never switched and it does not look likely in the near future. I am very concerned that she is going to meet her lifetime maximum of $2 million dollars! Does anyone know what happens you meet the lifetime max? Can you then possibly qualify for medicaid?
I think it was probably my post in the family section that you were referring to. I am anxious to see what the answers are. In my instance, I work for the county government and I have been employed with them for the past 12 years. We are self insured and have had the same carrier for the last 12 years, they have never switched and it does not look likely in the near future. I am very concerned that she is going to meet her lifetime maximum of $2 million dollars! Does anyone know what happens you meet the lifetime max? Can you then possibly qualify for medicaid?
I think it was probably my post in the family section that you were referring to. I am anxious to see what the answers are. In my instance, I work for the county government and I have been employed with them for the past 12 years. We are self insured and have had the same carrier for the last 12 years, they have never switched and it does not look likely in the near future. I am very concerned that she is going to meet her lifetime maximum of $2 million dollars! Does anyone know what happens you meet the lifetime max? Can you then possibly qualify for medicaid?
I am pretty sure it starts over each year the policy ends just like your deductible and out of pocket starts over. But I am not 100% sure. All you need to do is call Member Services on your insurance card, talk to a supervisor since you must know accurate information about this and they could easily tell you.
Jennifer 36 years old with CF and CFRD
Jennifer 36 years old with CF and CFRD
I am pretty sure it starts over each year the policy ends just like your deductible and out of pocket starts over. But I am not 100% sure. All you need to do is call Member Services on your insurance card, talk to a supervisor since you must know accurate information about this and they could easily tell you.
Jennifer 36 years old with CF and CFRD
Jennifer 36 years old with CF and CFRD
I am pretty sure it starts over each year the policy ends just like your deductible and out of pocket starts over. But I am not 100% sure. All you need to do is call Member Services on your insurance card, talk to a supervisor since you must know accurate information about this and they could easily tell you.
Jennifer 36 years old with CF and CFRD
Jennifer 36 years old with CF and CFRD
I am pretty sure it starts over each year the policy ends just like your deductible and out of pocket starts over. But I am not 100% sure. All you need to do is call Member Services on your insurance card, talk to a supervisor since you must know accurate information about this and they could easily tell you.
Jennifer 36 years old with CF and CFRD
Jennifer 36 years old with CF and CFRD
I am pretty sure it starts over each year the policy ends just like your deductible and out of pocket starts over. But I am not 100% sure. All you need to do is call Member Services on your insurance card, talk to a supervisor since you must know accurate information about this and they could easily tell you.
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<br />Jennifer 36 years old with CF and CFRD
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<br />Jennifer 36 years old with CF and CFRD
We've wondered about this ourselves. Currently DS is on DH's policy and has a $2 million lifetime maximum. I guess we assumed that as we get closer to that amount, we'd add him to my policy. I doubt either our our employers are ever going to switch insurance companies either.
We've wondered about this ourselves. Currently DS is on DH's policy and has a $2 million lifetime maximum. I guess we assumed that as we get closer to that amount, we'd add him to my policy. I doubt either our our employers are ever going to switch insurance companies either.
We've wondered about this ourselves. Currently DS is on DH's policy and has a $2 million lifetime maximum. I guess we assumed that as we get closer to that amount, we'd add him to my policy. I doubt either our our employers are ever going to switch insurance companies either.
We've wondered about this ourselves. Currently DS is on DH's policy and has a $2 million lifetime maximum. I guess we assumed that as we get closer to that amount, we'd add him to my policy. I doubt either our our employers are ever going to switch insurance companies either.
We've wondered about this ourselves. Currently DS is on DH's policy and has a $2 million lifetime maximum. I guess we assumed that as we get closer to that amount, we'd add him to my policy. I doubt either our our employers are ever going to switch insurance companies either.