Lifetime limits

A lifetime limit was the maximum amount a health plan would pay for your care. When that limit was reached, you had to start paying out of pocket. Since the Affordable Care Act was passed, lifetime limits are no longer allowed. However, plans can still place limits on specific services, such as 20 physical therapy sessions or one annual eye exam, or require pre-authorization before getting some services.

WebMD Medical Reference Reviewed by Sarah Goodell on June 21, 2021
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