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... 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 ... 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 Care and Monitoring ... covered participant has established the fact of coverage, all paperwork is thereafter undertaken on a direct basis between the providers and the plan. HMOs-There are essentially two types of HMOs: staff model plans and independent practice associations (IPAs) . Staff model plans have their own clinical and sometimes hospital facilities. IPAs, also known as foundation HMOs, ' comprise an open panel of physicians and other providers who are contracted with the HMO, but may also provide services to other patients on a private, fee-for-service basis. The IPA sets a ...

...erapy Speech therapy Substance abuse Surgery Surgery-second an... IPA HMOs may have copayments for outpatient services and deductibles, coinsu...