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A lifetime limitation was placed on the policy and if the policy holder went beyond that limitation, they generally ran out of insurance. If the policy holder surpassed the lifetime restriction, they would get no additional protection from their health insurance strategy and most likely would not have the ability to get another policy with another company because of pre-existing condition restrictions. Beginning on September 23, 2010 lifetime dollar limitations may not be put on medical insurance policies. Needed surgical treatment (I have health advocate eap coverage) and after all the bs redtape etc etc I chose to have the surgury in Thailand for the very same expense.

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