This video explains the limitations and allowances within health insurance plans. Below are some helpful key takeaways:

• Insurance companies may set limits on specific services or benefits, requiring policyholders to cover the exceeding costs.

• Essential health benefits, including emergency room visits and preventive care, cannot have dollar limits imposed on them by insurance plans.

• Physical therapy post-injury or surgery is an example where coverage limits are commonly applied.

• While not everyone will review their insurance plan documents in detail, it's important to be aware that some limitations on services may exist.

• Policyholders should be prepared to encounter some coverage limitations when using their health insurance for non-essential services.