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... presentations, or you may call in a Health insurance specialist. Benefits Whether an insured plan, a pre-paid plan, an HMO, or a PPO, an individual Health coverage contract should provide coverage for most of the following, as appropriate for each client: Accidents Alcohol and drug abuse Allergy testing-serum treatment Ambulance and transportation Ambulatory surgery (aka outpatient surgery) Anesthesia Annual physical Assistant surgeon Blood/plasma transfusions Burn ward benefits Chemotherapy Chiropractic (with limitations) Complications of pregnancy Congenital defects benefit Coronary Care Unit (CCU, a.k.a. Coronary ... for normal pregnancy, subject to a special deductible. Occupational therapy Organ transplant Orthopedic training (exercises) Outpatient benefits Physical therapy Pre-admittance testing Prescription drugs, in/out 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 ... 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 plan 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 ...