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Health Insurance Glossary

Definitions for common health insurance terms

comprehensive coverage

DEFINITION: Comprehensive coverage – also known as major medical health insurance – refers to plans that cover a wide range of health services (i.e., not a limited-benefit plan or supplemental policy).

All new individual policies sold after January 1, 2014 must be at least as comprehensive as the Affordable Care Act requires, meaning that they cover the ten essential health benefits with no annual or lifetime benefit caps. Plans that predate 2014 are still considered comprehensive if they are major medical policies, but they are generally not as robust as the new policies.