Medical expense insurance Practice Test Questions and Answers

Medical expense insurance Practice Test Questions and Answers Medical expense insurance provides - ANSWER Financial protection against the cost of medical care for accidents and illness Basic medical expense insurance is sometimes called - ANSWER First dollar insurance Unlike major medical expense insurance basic medical expense insurance provides - ANSWER upfront without having to satisfy a deductible Benefits provided by basic medical expense insurance are - ANSWER Lower than actual expenses incurred Hey particular fee charged by physician or other health professionals is called - ANSWER Usual, customary and reasonable expense Hospital expense policies cover - ANSWER Hospital room and board, miscellaneous, hospital expenses such as lab and x-ray charges medicines use of operating room and supplies Hospital room and board benefits cover expenses for - ANSWER Occupancy of the room and bed general nursing care food and beverages and personal hygiene items Basic surgical expense coverage - ANSWER Covers costs of surgeons' services, whether the surgery is performed in or out of the hospital Basic surgical expense coverage includes - ANSWER Surgeons fees anesthesiologist in the operating room Usual customary and reasonable (UCR) Chargers are the - ANSWER Maximum amount then sure will consider eligible for reimbursement under health insurance plan it is based primarily on average charges within a geographic area Basics physicians expense coverage Often referred to as basic physicians non-surgical Expense coverage - ANSWER Because it provides coverage for nonsurgical services as physicians provides Basic medical expense coverage can be purchased to cover - ANSWER Emergency accident benefits maternity benefits mental nervous disorders hospice care home health care outpatient care and nurses expenses Nurse expense benefits - ANSWER Pay only for private duty nursing care arranged according to a doctors order while the insured is a hospital patient Convalescent care facility benefits - ANSWER Provide a daily benefit for confinement and a skilled nursing facility for a limited recovery. Following discharge from the hospital Hospice benefits under a Major medical expense plan normally includes coverage for - ANSWER Pain management, home-based services and counseling Supplementary major medical policies are used to - ANSWER Supplement The coverage payable under a basic medical expense policy after the basic policy pays supplemental major medical will provide coverage for expenses that were not covered by the basic policy and expenses that exceed the maximum Comprehensive major medical combines the features of - ANSWER Basic expense coverage in major medical coverage sold as one policy Covers practically all medical expenses hospital for scission surgical nursing drugs lavatories test etc.