Combines basic coverage and major medical coverage into one comprehensive policy that provides benefits for most medical expenses. Comprehensive Major Medical policies represent the majority of employer-sponsored plans and are commonly chosen by purchasers of individual policies because they provide the insured with the greatest level of benefits. PPACA requires all policies to include preventive care. Examples of covered expenses may also include: inpatient and outpatient hospital care, surgical expenses, physician office expenses, therapy (speech, physical, or occupational), chiropractic care, durable medical equipment, mental health services and prescription drug coverage.
