What is a lifetime maximum?
A lifetime maximum is the maximum dollar amount which will be paid on your behalf under any HMSA plan which is sponsored by the same employer or contract holder for the same group health plan. See your Guide to Benefits for more information.
To find the maximum dollar amount HMSA will pay for benefits under your plan or the amount that you have accumulated towards your lifetime maximum, log in to hmsa.com's My Account or call HMSA Customer Service.
Renewal provision
If you reach your lifetime maximum, HMSA will cover medical expenses up to $10,000 per calendar year. This is called a lifetime renewal.
- The lifetime renewal begins Jan. 1 of the year following the year you reached your lifetime maximum.
- The $10,000 will renew Jan. 1 of each year as long as you remain covered under the plan.
- Unused lifetime renewal benefits not used in one calendar year do not carry over to subsequent years.
If you exhaust the lifetime maximum or the lifetime renewal amount in any given calendar year, you are not eligible for benefits for any covered services until the following calendar year.
Note: The renewal provision is applicable only to the dollar lifetime maximum. Covered services limited by service lifetime maximums, such as in vitro fertilization, are not subject to a renewal provision.
For additional important information, we encourage you to read:
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