Are all plans subject to the new lifetime rules?
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UnitedHealthcare answered:No. The restriction of lifetime limits would not apply to:
- limited scope vision and dental plans;
- HSAs/MSAs;
- retiree plans that have fewer than two active employees.
The lifetime limits provision also does not apply to a health reimbursement account (HRA) that is integrated with a group health plan.
These benefits are generally known as excepted benefits under the Health Insurance Portability and Accountability Act (HIPAA).
For more information on lifetime limits or on health care reform, visit www.healthcare.gov or www.uhc.com/reform.
Caps are flying as U. Horace Cartwright walks through the timing of changes to lifetime and annual dollar limits (or caps).
This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.
No. The restriction of lifetime limits would not apply to: limited scope vision and dental plans; HSAs/MSAs; retiree plans that have fewer than two active employees. The lifetime limits provision also does not apply to a health reimbursement... More
