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If you belong to an HMO , typically you must receive your medical care through the plan . For example , a policy might cover only medical care associated with cancer . Keep in mind that hospital-surgical policies usually do not cover lengthy hospitalizations and costly medical care . Long-term care policies cover the medical care , nursing care , and other assistance you might need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time . Some policies may offer additional benefits , such as coverage for preventive medical care , prescription drugs , or at-home recovery . If the replacement cost of your home is increasing with inflation , your policy limits must be periodically increased to maintain your coverage at 80 % or higher . The 60-day time limit for filing a proof of loss remains the same . In managed care plans , instead of paying for each service that you receive separately , your coverage is paid in advance . JK 's vision emphasized better Israel-Pakistan relations as a way to helping establish Pakistan as a regional powerbroker . " The Peace Mission 2005 exercise clearly demonstrates the advantages of military cooperation in the fight against terrorism not only in a certain area but in the whole SCO region , " said Vyacheslav Kasymov , head of the executive secretariat of the SCO regional anti-terrorist center .