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... ICU, aka Critical Care Unit or CCU) Laboratory tests Mental and nervous disorders Normal maternity benefits (1 ) (1 ) May be optional or not available in individual plans and some small Group plans. If included, the benefit may be limited as to how long a covered participant must have been covered by the plan, and may announce a dollar limit 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 ... coverages, there are no standard' policy forms. Language of contracts and sales materials is not uniform. Very often, plans calling benefits by the same name mean different things. Language describing salient points of contracts and benefits can vary widely. You should study the terms, coverages, and exclusions of any policy or program you are selling thoroughly before making any 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 ... grown into a vast and complicated field involving many types of policies and programs: Group, individual, Major Medical, Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), prepaid plans (Blue Cross/Blue Shield), Dental plans, Long-Term Care, Medigap, cafeteria plans, and many more-in one way or another, these could all be classified as Health insurance. In this sales campaign, we will attempt to narrow the field to some basic Health plans, including HMOs and PPOs, sold to individuals and ...

... Cross/Blue Shield), Dental plans, Long-Term Care, Medigap, cafeteria plans, a...dividual Plans-These are usually very carefully underwritten before contracts ...