Some healthcare companies have limits on certain medical conditions. Therefore, they may only pay up to a certain amount for a treatment even though the condition incurred has a higher cost. In this situation, you will be expected to pay for the difference between the sub- limit and the actual cost of treatment. This is part of the limits of what they will pay and is not in addition to. Therefore, it will take into account the deductibles and co-payments, etc. and will not add to these liabilities.