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Most offer some coverage for prescription drugs ; and some include coverage for dentists and other providers . The prohibition of the Act applies to federal regulatory instrumentalities , such as Office of Comptroller of the Currency , Federal Deposit Insurance Corporation , Federal Savings and Loan Institution , and Federal Home Loan Bank Board Lending institutions regulated , or whose deposits are insured , by the Federal instrumentality , must require the purchase of flood insurance according to the regulations of the federal instrumentality . The primary responsibility of the state regulators is to protect the interests of insurance consumers , and the NAIC helps regulators fulfill that obligation in a number of different ways . Such plans are often used by younger people to save money for retirement . However , a plan may provide a longer period of coverage beyond those required by COBRA .