my employer is changing Dental Insurance Carriers. The new carrier
indicated that there is a lifetime limit on ortho treatment of
$1000, and that they will deduct from that $1000 any monies paid
towards ortho by my PRIOR dental insurance carrier.

I wont even ask if its ethical, but is it legal?

Also , They indicated that they would obtain a
claims summary from the old dental carrier to
validate payments made. I'm not authorizing
that and theres no authorization for this in
their forms. If they obtain a claims summary
from a different company, havent they just
violated HIPPA?