Hi, Kahnecht, welcome to PsychCentral (PC).

I think you have to call your insurance company and ask about your coverage, what companies cover and for how much, etc. varies depending on what you have. My guess though would be if you were to surpass what is paid for then there would be no more coverage for that year/period but since you would still need care, you'd go into a "state"-care facility which would probably be residential, since you would not be able to care for yourself and would not have any other resources. It would be a bit like not being able to pay rent on a place, not having any money and becoming homeless and then staying in a homeless shelter. Even for physical illness, hospitals are only for acute care, when you don't need hospitalization anymore, are stable or recovering, then they move you to a care facility. That's what the residential place would be for/like. If you cannot get well in a hospital, if it is going to take longer, then you need a longer care facility.