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And some plans cover complications arising from pregnancy but do not cover normal pregnancy or childbirth . Annuitant - The person entitled to receive annuity payments or who now receives them . A personal article floater covers possessions such as jewelry , furs , stamps , coins , guns , computers , antiques and other items that may exceed normal limits in your regular home insurance policy . According to the latest official figures , more than 50 large-scale university multiplexes either have been completed or are under construction . Keep in mind that hospital-surgical policies usually do not cover lengthy hospitalizations and costly medical care . After the normal period of coverage ( 18 months ) is completed , the premium may increase to 150 % of plan 's total cost of coverage , for the last 11 months of COBRA coverage for disables beneficiaries . Hospital-surgical policies may provide first-dollar coverage .