Which item is typically included in Major Medical Policies?

• A. Room and board, surgical benefits, and maternity coverage
• B. Lifetime benefits which can range from one million to unlimited
• C. A carryover deductible provision
• D. Coinsurance

Answer: (A)

Major medical policies are designed to provide broad coverage for hospital and medical services. The items listed—room and board, surgical benefits, and maternity coverage—represent core benefit areas you’d expect to see in a major medical plan: inpatient hospital costs (room and board), physician-related expenses for surgeries (surgical benefits), and coordinated care around childbirth (maternity coverage). These are fundamental components of the policy’s benefit structure.

The other choices describe features rather than the actual benefit categories. A lifetime maximum speaks to limits on benefits rather than what the plan pays for on a routine basis. A carryover deductible is a plan design element, not a standard benefit. Coinsurance is a cost-sharing mechanism, not a benefit category included in the list of covered services.