Would one need to make a separate bracha on hot chocolate that is drunk with the bread meal if one already made hamotzi, or does the hamotzi bracha cover it?
Halachically, there are three reasons why a person would want to drink at a meal:
- to quench your thirst
- to whet your appetite
- to aid the digestion process
However, if it drinking your chocolate milk is solely to aid digestion, you are not eating for satiation, and so it is not regarded as part of the meal, and a bracha is necessary (Mishnah Berurah 174:39).
In a case where you are not sure why you're drinking the chocolate milk during a bread meal, you do not say a bracha because of the principle of a Safek Bracha L’hakel, literally a doubt as to whether or not you should say a bracha. We are lenient and do not say a bracha because we do not want to say a bracha that is unneeded, as it says in the 10 commandments not to say God's name in vain (Orach Chaim 167:9, Mishnah Berurah 215:18).
It will be covered. Chabad.org says
The Hamotzi blessing will "cover" everything you eat as part of the meal (except for dessert and wine).