In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs. In addition, some insurance company schemes have annual or lifetime coverage maxima. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service.
The insured are generally expected to pay the full cost of non-covered services out of their own pockets. Billed items like use-and-throw, taxes, etc.