The program I was in ($100,000 lifetime benefit limit) was actually intended as a temporary safety net, so the lifetime limit isn’t as enduring as it sounds. But 100k is plenty for me as I want no extraordinary care.
If you change your mind, here’s an option. My uncle was a retired state prison guard. He told me, more than once, that if ever came down with a major health problem that would require great expense he was walking down the street to the bank and robbing it. He didn’t want the money, just wanted to get locked up to get the free medical treatment. Fortunately, I guess, his major health problem was swift, went to bed and never got up swift, so he didn’t get to fulfill his plan.