What is a Lifetime Maximum?
Your health plan’s “lifetime maximum” is the total amount of benefits it will pay out for the entire time you have coverage. Once you reach that maximum, your plan will not cover any more of your health expenses.
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Most health insurance plans have lifetime maximums of several million dollars — and most people will never spend that much on health care. There are some plans with lifetime maximums of less than $1,000,000. While even that might seem like plenty of coverage, a serious illness or injury can easily add up to more than that.
When you’re comparing plans, remember: just to be on the safe side, choose a plan with a high lifetime maximum.
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