There are still lifetime caps on insurance!

Mine is $1,000,000. I have rarely been sick all my life. I paid extra all my working years to have good healthcare in my retirement years. I retired in July 2014. I just received a letter from my insurance company telling me I am approaching my lifetime cap. I have spent almost 1 Million dollars of insurance on this Bilateral Her+ breast cancer diagnosis and treatment. I have no other medical issues or problems and there were no extenuating issues with my surgeries chemo or radiation. All expected normal cancer costs and it is almost 1 million; I won't have any more outpatient coverage. How can this be acceptable? 1 out of 8 woman will get breast cancer in their lifetime and that will max out their insurance for life? Obama care was supposed to do away with lifetime caps, but not for Michigan teachers or religious organization insurances. Some powerful organizations were able to be exempted from this 1M cap. Teachers are mostly women and retire about the time they will most likely get breast cancer. So all this insurance, we worked our full lives for, can be wiped out in 1 diagnosis of cancer. I calculated the months of premiums it would take to cover 1M and that is just 52 years of premiums for each Million in payments. Teachers teach about 30-40 years each, then retire and if 1/8 gets cancer, it only takes 2 to cover that million in payments. I have a feeling this keeps the insurances companies with lots of profits and our expense. I guess that is a way the insurance company can wipe their hands of any recurrences because there is no way I have the insurance coverage left for chemo again or even very many scans. If the cancer comes back and I don't get my scans to find it early, most likely it will not be anything I can beat. It will then probably be a death sentence. In 3 years , I am now 63 years old and will soon have no health care for outpatient coverage. My Her+ chemo and scans for year took most of my coverage. I never should have done this reconstruction surgery because this is all outpatient and falls under my 1M dollar cap. I need another surgery early next year but I will probably not have it done. I will just be lopsided and deformed. Had I known that, I would have not had my bilateral DIEP and would have stayed flat.There should be help for us. I called the American Cancer Society (AMC), they just referred me to the Breast Cancer Foundation (BCF) that requires a $50 application fee to see if they will help. Nobody answers their phone, their voicemail is full, and they say they are out of the office for the next several weeks. It is very easy to donate money to them, but to get help from them, it is a maze and lots of ways to get lost. I found nothing that will help me either at ACS or the BCF. Also, they say on their website they will not help anyone that has a household income of over $29,000. It is only for those that are in poverty. Poverty people have medicaid what do people do that worked all their lives, paid taxes, and paid into their retirement health care and pensions? Now will not have the life saving medical coverage that is necessary for any of us with a cancer diagnosis. It's all about the money.