In Roger's employer's medical plan, what type of plan has a total benefit for illnesses and accidents capped at $1,000,000?

The correct answer is comprehensive major medical with a lifetime maximum. This type of plan provides extensive coverage for a wide range of healthcare services, including both illnesses and accidents, but it does have an overall maximum limit on the total benefits that can be paid out over the lifetime of the insured. In this case, the cap on benefits is set at $1,000,000, which is consistent with many comprehensive major medical plans that establish such lifetime maximums to control costs while still offering substantial coverage.

Lifetime maximums are crucial because they delineate the maximum financial exposure for the insurance provider, ensuring that they can sustain services and benefits over the long term. This is a common feature in many health insurance plans that aim to balance the need for comprehensive care with fiscal responsibility for the insurer.

In contrast, limited major medical plans with annual limits may restrict coverage significantly each year, which does not specifically align with having a lifetime cap at $1,000,000. HMO plans typically focus on providing services through a network of providers rather than capping total benefits, while PPO plans offer flexibility in choosing healthcare providers but do not inherently imply lifetime maximums. Thus, comprehensive major medical with a lifetime maximum is the most fitting description of Roger's plan.