Continuation of coverage of a group Hospital, Surgical, and Major Medical Policy must include what?

The continuation of coverage for a group Hospital, Surgical, and Major Medical Policy must include hospital expenses as these are essential components of health care provided under such policies. This requirement ensures that individuals who continue their coverage after lifecycle events such as employment changes or transition to retirement still have access to necessary medical care that involves hospital stays, surgeries, and other inpatient services directly related to hospital expenses.

While outpatient expenses, emergency transportation, and prescription drug coverage may be important aspects of a comprehensive health insurance plan, they are not necessarily guaranteed under the standard continuation provisions of a group policy. The focus on hospital expenses reflects the fundamental purpose of the major medical coverage to provide financial protection against the high costs associated with hospital care, which is typically one of the most significant health care expenses faced by policyholders.