I have the 4yr/55k maintenance plan also, and I agree with you. They specifically ended the plan at 55k so that it would not cover the 60k major service at the next oil change interval (every 5k). But knowing that the 60k service is expected to cost $500 makes me feel better about what I paid for the prepaid maintenance plan, because that means the 15k, 30k, and 45k services must be at least $200 each.