If there are extra expense not paid by Insurance, what should I do?

Check and avail best discounts possible from various providers: Before you purchase insurance, it is a good practice to spend a good time looking at the benefits and offers you could avail
Keep extra savings to cover your out of pocket health costs: Always keep extra savings to cover for any unprecedented health costs.
Change your insurance plan to expand the coverage: You can always extend your coverage if you have any extra need for coverage.