Why is my appointment not fully covered, but I have $XX amount per year?

Depending on your benefit provider and plan, there can be limits on what they cover per session. Some companies cover the full amount, whereas others will only cover a certain percentage per visit. Either way, you will still be able to use all of your coverage for the year. If only a percentage is covered each session, your benefits will last a bit longer as the remaining balance is paid out of pocket.