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Only the most expensive Medigap plans -- H, I and J -- offer coverage for prescription drugs.
A few years ago, after some homeowner policies began excluding it, heating oil companies started to offer coverage for customers.
Vermont's program, passed last May, will require private insurance companies to offer coverage for the uninsured starting in October 2007.
The bill would offer coverage for the first time to livestock producers and expand policies for fruit and vegetable growers.
(If those standards are eliminated, plans might not have to offer coverage for doctor's visits, or for hospitalization).
Several religiously affiliated organizations already offer coverage for contraceptives to their workers, often to comply with state birth control mandates.
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Marlborough Underwriting insures ships and offers coverage for risks like weather-related cancellations of events.
Health maintenance organizations are just beginning to cover some alternative therapies; Oxford Health Plans, for instance, offers coverage for acupuncture.
It offered coverage for five years or 60,000 miles and "temporarily" took the place of a previous program that lasted for three years or 36,000 miles.
For instance, State Farm's homeowners' and renters' insurance offers coverage for food spoilage, Ms. Anderson said, but the payment is subject to your policy deductible.
(The Affordable Care Act required plans that offered coverage for a member's family to cover children up to age 26. If the plan didn't offer dependent coverage, it didn't have to start doing so).
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