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... of the hospital Private hospital room (only if required by law) Prosthetic devices Radiation therapy Speech therapy Substance abuse Surgery Surgery-second and third opinions Testing Well baby care X-rays A good Group Health insurance contract should provide the aforementioned benefits, plus a Group Life benefit and Group Accidental Death and Dismemberment coverage if mandated by law. Following is a list of some options you might encounter in a Group Health contract: Common carrier Dependent Life coverage Dental plan Long-Term Disability coverage Loss of Time (Sickness), aka Weekly Indemnity Legal service Medicare supplement ... Prescription drug cards service Pharmaceutical PPO Supplemental accident Vision care Because pre-paid plans, HMOs, and PPOs do not issue Life insurance or Accidental Death and Dismemberment coverage, and because many optional coverages are written only in certain plans, it may be necessary for you as the agent to put together several different plans for a total employee benefits package for your insured. Method of Benefit Delivery Although designed to cover the same basic risks, insured plans, pre-paid plans, and HMOs and PPOs deliver their benefits quite differently. Insured Plans-Generally, an ... plan will have an overall lifetime limit of liability, stating that a covered person may only be covered for'$[Amount] lifetime limit of liability, from all causes. That limit is commonly $1 million or more. These limits are based on actual cash payouts of plans. Some plans have unlimited' lifetime benefits, and some will make incremental restoration of amounts used to the total available lifetime limit during the year after use. Insured plans almost always have an annual deductible, ranging from $100 to $10, ...

... a Group Life benefit and Group Accidental Death and Dismemberment coverage if...nt of Claim Physical Examination and Autopsy Incontestability ...