The lifetime maximum insurance benefit is the maximum dollar amount that your insurance company will pay for your infertility treatment.

If your lifetime maximum is 15K and you exceeded the benefit amount as stated, you will now be responsible for any payment your insurance company pays the health care provider above the 15K.

Annually, the insurance company makes an audit on their paid claims to health care providers. During this time, they will recoup any monetary exceeded above patient’s lifetime maximum benefits. It is your responsibility to pay this recouped amount to the healthcare provider.