This question was posted down below:
Is it true there is a 2 million dollar lifetime cap on union member's health care?
Good question. The plan book states: "Each participant or dependent is subject to a lifetime maximum of $2 million paid by the Active Health Plan for benefits ...(p. 44, Active Motion Picture Industry Health Plan Summary Plan Description, July 2007).
There's a few additional wrinkles to this, which anyone who's a participant in the Motion Picture Industry Health Plan should know about ...
Wrinkle One: The lifetime maximum will be reduced to the extent such type of benefits have been paid by the Writers' Guild-Industry Health Fund, Directors Guild of American-Producer Health Plan, Screen Actors Guild-Producers Health Plan, AFTRA Health Fund or successor plans.
Wrinkle Two: The Plan office informs me that once an Active Health Plan participant becomes a Retired Health Plan participant, the Retiree health benefit cap starts at zero, and a retiree is good for another $2 million worth of benefits ...
Lastly: I'm giving you general info here, not holy writ. For the complete Summary Plan document, you need only click here, and all the glorious details of the (Active) Motion Picture Health Plan will be revealed to you.