Major medical insurance generally does include prescription drug coverage, so a separate prescription plan is usually not necessary. However, not all major medical plans are alike. In order to make sure that your medical insurance is sufficient, you'll need to read your policy carefully and find out exactly what it covers.Even if your major medical plan includes prescription drugs, it may not provide all the coverage you need. There are actually two distinct types of major medical:Supplemental major medical, which only provides coverage after your regular medical insurance has been exhausted, and Comprehensive major medical, which is a complete, self-contained medical policy. Supplemental major medical is used to pick up where basic medical insurance leaves off. In order to utilize supplemental major medical insurance, you would first need to purchase a basic health insurance plan. When this coverage is exhausted, your major medical coverage would begin paying. Supplemental major medical coverage is often written in a separate policy, and does not include coverage for basic doctor visits, etc.In contrast, comprehensive major medical plans generally include all the basic types of coverage:Hospital expense insurance: Pays your room and board costs if you are hospitalized (including intensive and cardiac care), as well as incidental expenses such as use of the operating room, x-rays, drugs, anesthesia, and laboratory charges.Surgical expense insurance: Pays surgeons' fees and related costs associated with surgery, including fees for an assistant surgeon, anesthesiologist, or even the operating room when it is not covered as a miscellaneous hospital item.Physicians' expense insurance: Sometimes called "regular medical expense insurance," pays for visits to a doctor's office, doctor's house calls, or doctor's hospital visits.Major medical: Offers extremely broad coverage with a very high maximum benefit. Most major medical provides at least $250,000 of coverage, although $1,000,000 or more in coverage is preferable. Coverage varies from one plan to another, but most major medical includes coverage for nursing services, anesthesia and anesthesiologists' fees, ambulance service, laboratory and diagnostic tests, radiology and other therapy, blood, plasma, oxygen, dental treatment resulting from injury, prescription drugs, outpatient services, convalescent nursing home care, home health care, casts, splints, crutches, and braces.If you have a comprehensive major medical plan, your health insurance needs are most likely satisfied, so there's probably no need to get a separate prescription drug plan. However, you should still consider whether other types of health-related coverage (such as disability insurance and long-term care insurance) are appropriate for you. If you have a supplemental major medical plan and you need prescription drug coverage, consider purchasing a separate plan to meet this need.