Traditional comprehensive major medical plans include all of the following EXCEPT

Coinsurance is a common feature in traditional comprehensive major medical plans, where the insured pays a certain percentage of the costs after the deductible has been met. This cost-sharing mechanism ensures that both the insurer and insured are financially involved in the healthcare expenses, thereby controlling overall healthcare costs.

Deductibles are also a standard component of traditional major medical plans. They represent the amount the insured must pay out-of-pocket before the insurance begins to cover expenses. This feature helps to mitigate the insurer's risk and encourages insured individuals to be more conscious of healthcare spending.

Out-of-pocket maximums are included in traditional comprehensive major medical plans to limit the total amount an insured person has to pay for covered healthcare services in a given year. Once this limit is reached, the insurance covers 100% of the remaining costs, providing financial protection to the insured.