1) LIFETIME LIMITS PROHIBITED BUT…

Although the Affordable Care Act (ACA) prohibits “lifetime limits on the dollar value of benefits for any participant or beneficiary,” it does not prohibit limits on patient access to care...

2) ANNUAL AND LIFETIME LIMITS ALLOWED

Despite Obamacare Fact #1, this section of the ACA says the former section’s prohibition on lifetime limits “shall not be construed to prevent a group health plan or health insurance coverage from placing annual or lifetime per beneficiary limits on specific covered benefits...

3) COVERAGE RESCINDED FOR “FRAUD”

The ACA says once an individual is covered, the insurer cannot take away that person’s plan, unless the covered individual “has performed an act or practice that constitutes fraud or makes an intentional misrepresentation of material fact...

1