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Actually, with recent health reform changes, there are no lifetime caps any more.

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Q: What is the lifetime cap on health insurance?
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Related questions

Does the lifetime max or lifetime cap get reset when you change health insurance?

Many times lifetime caps start over with new insurance. You may find more relevant information at http://www.hemophiliagalaxy.com/patients/insurance/faqs/lc.html


Can you change the deductible and cap amounts on your health insurance?

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Lifetime Health medical group offers services that provide health care service. In addition, they give health insurance and coverage to individuals and groups.


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Major medical health insurance usually covers a portion of all medical expenses including doctor visits, surgery, hospitalization, and testing. Most have a deductible that will need to be met and they also have a cap of how much they will pay out per year and per lifetime.


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This will depend on your health insurance plan and what kind of mental health therapy you are interested in. The simplest way to find out is to either read your policy or, even simpler, call your provider. Most health insurance plans will cover a certain percentage of mental health care. Check your policy for specifics, but most policies will have a single year and lifetime payout maximum for mental health coverage.


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