* Elimination of lifetime caps
or annual limits on coverage.
A participating plan would provide coverage without any annual or lifetime caps
ASTRO said it strongly supports bipartisan solutions that protect cancer patients from losing their health insurance or not being approved for coverage following a cancer diagnosis, including maintaining bans on pre-existing condition exclusions and annual and lifetime caps
; preserving guaranteed issue and guaranteed renewability provisions; and safeguarding access to clinical trials.
* Retain ACA out of pocket restrictions so there are no annual and no lifetime caps
on patient benefits and reimbursements.
Collins and Heller voted to keep Social Security, Medicare and Medicaid out of the budget resolution ACA attack process; to exclude any provisions that might undermine gains in children's health; and to shut out any provisions that would "make people with disabilities and chronic conditions sick again," by allowing a return to medical underwriting or caps on annual or lifetime caps
The 2010 federal health law classified mental health and addiction services among the essential health benefits that must be covered by small and individual plans, without annual or lifetime caps
Most pet insurance plans cap the amount they pay out per year, and some include lifetime caps
for certain conditions.
Regulations on health insurance, limiting insurers' ability to impose lifetime caps
on coverage or exclude customers who have pre-existing illnesses, will remain.
Pre-existing conditions are no longer a barrier to insurance coverage, limits on the total outlay of medical expenses allowed under an insurance policy ("lifetime caps
") have been eliminated, and individuals may now purchase insurance with the benefit of group pricing through the exchanges.
Nowhere does the Constitution authorize the federal government to mandate the reduction of co-payments and deductibles, the elimination of annual and lifetime caps
on benefits, or the issuance of insurance policies without regard to pre-existing conditions.
Removal of these limits, as "ObamaCare" purports to do by eliminating lifetime caps
or underwriting for pre-existing conditions, makes it even plainer that the cost of medical care is an uninsurable risk.