Which type of health insurance is guaranteed to be available under a group health contract?

The correct answer is maternity care, as it is a type of health insurance that is typically guaranteed to be available under group health contracts. Group health insurance plans are designed to provide coverage to all eligible employees without regard to their health status or pre-existing conditions. This means that maternity care must be included in the benefits offered, as mandated by laws such as the Affordable Care Act (ACA).

Maternity care is considered an essential health benefit, ensuring that all individuals have access to prenatal, delivery, and postnatal care. As a result, employers cannot deny coverage based on potentially high costs or pre-existing conditions related to pregnancy, making this coverage universally accessible within group plans.

In contrast, other types of insurance like accidental death and dismemberment, disability income, or medical expense coverages could be subject to certain limitations, exclusions, or waiting periods which would not guarantee their availability under a group health contract in the same manner as maternity care. This distinction is crucial in understanding how group health plans operate and the mandatory inclusions as required by legislation.