California Life and Health Insurance Practice Exam

Comprehensive major medical plans are designed to cover a wide range of health care services, which typically include emergency care, hospital expenses, and preventive services. These plans are aimed at providing significant financial protection while promoting the use of essential health services.

First-dollar coverage refers to a plan structure where the insurance covers the initial costs of healthcare services without requiring any deductible to be met first. While this type of coverage may be beneficial for consumers, it is not a standard feature of comprehensive major medical plans. Most comprehensive plans involve deductibles, coinsurance, or copayments, meaning that insured individuals usually have to pay part of the costs before insurance coverage kicks in.

Overall, while comprehensive major medical plans offer extensive coverage for various medical needs, they typically do not include first-dollar coverage, making it the correct response to the question.