However, despite BCBSSO's comprehensive list of covered services, out-of-pocket cost-sharing expenses were estimated to be $5,000 annually for the three cases profiled. In addition, BCBSSO places caps on coverage for certain kinds of care, in particular a 75-visit annual limit on rehabilitative care. Such a limit would add annual costs of $8,000 to nearly $12,000 for the two adults cases profiled. Finally, BBSCO falls short in providing necessary long-term services and supports for individuals with disabilities, such as personal care and case management. Thus the three patients would each need to spend out of pocket an additional $16,000 to $17,000 annually for their uncovered long-term care.