What is the maximum coverage for Routine and Major Restorative Care subject to?

The maximum coverage for Routine and Major Restorative Care is subject to coinsurance and annual deductible requirements. Coinsurance refers to the percentage of expenses that the policyholder must pay after meeting their deductible, ensuring that both the insurer and the insured share the costs of care. The annual deductible is the amount a policyholder must pay out-of-pocket before coverage kicks in. This structure helps manage costs for both the insurance provider and the insured while encouraging responsible use of healthcare services.

The other options do not adequately reflect how coverage is structured in health insurance policies. Lifetime limits pertain to the cap on benefits payable over the insured's lifetime, which is no longer permitted under certain regulations in many health insurance plans. Monthly payment plans relate more to how premiums are paid rather than coverage limits. Automatic renewals refer to the continuation of coverage without the need for re-application, which does not directly influence maximum coverage amounts for specific types of care. Thus, the correct answer clearly aligns with the mechanisms that govern health insurance coverage for these specific services.