What must be included in the continuation of coverage for a group hospital and surgical policy?

For a continuation of coverage under a group hospital and surgical policy, it is essential to include coverage for hospital expenses. This requirement is rooted in the purpose of continuation of coverage, which is designed to provide ongoing health care support to individuals who lose their employer-sponsored health insurance.

Hospital expenses typically cover the costs associated with inpatient stays, surgeries, and necessary treatments that require hospitalization. By ensuring that these expenses are included in the continuation of coverage, it addresses a critical component of health care that directly impacts the well-being of the insured individuals.

In contrast, other types of benefits such as life insurance, prescription drug coverage, and wellness benefits may not fall under the core necessities required for the continuation of coverage within a group health policy context. These components, while important, serve different functions in a comprehensive health care plan and are not universally mandated for continuation in the same way that hospital expenses are.