said by travelguy: said by MEohME :
ALL insurance companies have that cap.
No, they don't. You may have such a plan, but i can assure you that many plans do not have caps.
But, as it stands, you can't choose your plan, not in any meaningful way, so if your employer's plan is crappy, you're essentially stuck. You could change jobs, but good luck doing that in this economy.