MEDICAL EXPENSE INSURANCE EXAM
WITH FULL COVERAGE
medical kexpense kinsurance kpurpose k- kcorrect kanswers k-• kMedical kexpense
kinsurance kprovides kfinancial kprotection kagainst kthe kcost kof kmedical kcare kfor
kaccidents kand killness
kCoverage kmay kbe kprovided kfor khospital kcare, kphysician kservices, ksurgical
kexpenses, kdiagnostic kand klaboratory kservices, kdrugs, knursing, kand kother
kmedically knecessary kprocedures
kThe kbroadness kof kthe kspecific ktypes kof kservices kand ktreatment kare kdependent
kupon kthe kmedical kexpense kpolicy kwritten
basic kmedical kexpense kplans k- kcorrect kanswers k--first kdollar kinsurance k
-provides kbenefits kup kfront kwithout khaving kto ksatisfy ka kdeductible
-classify ktheir kcoverages kaccording kto kgeneral kcategories kof kmedical kcare:
khospital kexpense, ksurgical kexpense, kand kphysicians' k(nonsurgical) kexpense
, hospital kexpense kpolicies k- kcorrect kanswers k-Cover khospital kroom kand kboard,
kmiscellaneous khospital kexpenses k(such kas klab kand kx-ray kcharges), kmedicines,
kuse kof koperating kroom, kand ksupplies
kThese kexpenses kare kcovered kwhile kthe kinsured kis kconfined kin ka khospital
kThere kis kno kdeductible kand kthe klimits kon kroom kand kboard kare kset kat ka
kspecified kdollar kamount kper kday kup kto ka kmaximum knumber kof kdays
Note: kThese klimits kmay knot kprovide kfor kthe kfull kamount kof khospital kroom kand
kboard kcharges kincurred kby kthe kinsured. kFor kexample, kif kthe khospital kexpense
kbenefit kwas k$200 kper kday kand kthe khospital kactually kcharged k$400 kper kday, kthe
kinsured kwould kbe kresponsible kfor kthe kadditional k$200 kper kday
basic ksurgical kexpense kcoverage k- kcorrect kanswers k-Commonly kwritten kin
kconjunction kwith khospital kexpense kpolicies
kThese kpolicies kpay kfor kthe kcosts kof ksurgeons' kservices, kwhether kthe ksurgery kis
kperformed kin kor kout kof kthe khospital
kCoverage kincludes ksurgeon's kfees, kanesthesiologist, kand kthe koperating kroom
surgical kexpense kcoverage kapproaches k- kcorrect kanswers k--surgical kschedule
kapproach
-reasonable kand kcustomary kapproach k
-relative kvalue kapproach
surgical kschedule kapproach k- kcorrect kanswers k-every ksurgical kprocedure kis
kassigned ka kdollar kamount kby kthe kinsurer
reasonable kand kcustomary kapproach k- kcorrect kanswers k-the ksurgical kexpense kis
kcompared kto kwhat kis kdeemed kreasonable kand kcustomary kfor kthe kgeographical
kpart kof kthe kcountry kwhere kthe ksurgery
was kperformed. kIf kthe kcharge kis kwithin kthe kreasonable kand kcustomary
kparameters, kthe kexpense kis knormally kpaid kin kfull. kIf kthe kcharge kis kmore kthan
kwhat kis kreasonable kand kcustomary, kthe kpatient kmust kabsorb kthe kdifference
relative kvalue kapproach k- kcorrect kanswers k--similar kto ksurgical kschedule
-The kdifference kis kthat kinstead kof ka kflat kdollar kamount kbeing kassigned kto kevery
ksurgical kprocedure, ka kspecified kset kof kunits kis kassigned. kThe kpolicy kwill kcarry ka
kstated kdollar-per-units kamount k(known kas kthe kconversion
factor) kto kdetermine kthe kbenefit
basic kphysicians' k(non-surgical) kexpense k- kcorrect kanswers k-Often kreferred kto kas
kBasic kPhysicians kNonsurgical kExpense kCoverage kbecause kit kprovides kcoverage
kfor knonsurgical kservices ka kphysician kprovides
kBasic kmedical kexpense kcoverage kcan kbe kpurchased kto kcover kemergency
kaccident kbenefits, kmaternity kbenefits, kmental kand knervous kdisorders, khospice
kcare, khome khealth kcare, koutpatient kcare, kand knurses' kexpenses
WITH FULL COVERAGE
medical kexpense kinsurance kpurpose k- kcorrect kanswers k-• kMedical kexpense
kinsurance kprovides kfinancial kprotection kagainst kthe kcost kof kmedical kcare kfor
kaccidents kand killness
kCoverage kmay kbe kprovided kfor khospital kcare, kphysician kservices, ksurgical
kexpenses, kdiagnostic kand klaboratory kservices, kdrugs, knursing, kand kother
kmedically knecessary kprocedures
kThe kbroadness kof kthe kspecific ktypes kof kservices kand ktreatment kare kdependent
kupon kthe kmedical kexpense kpolicy kwritten
basic kmedical kexpense kplans k- kcorrect kanswers k--first kdollar kinsurance k
-provides kbenefits kup kfront kwithout khaving kto ksatisfy ka kdeductible
-classify ktheir kcoverages kaccording kto kgeneral kcategories kof kmedical kcare:
khospital kexpense, ksurgical kexpense, kand kphysicians' k(nonsurgical) kexpense
, hospital kexpense kpolicies k- kcorrect kanswers k-Cover khospital kroom kand kboard,
kmiscellaneous khospital kexpenses k(such kas klab kand kx-ray kcharges), kmedicines,
kuse kof koperating kroom, kand ksupplies
kThese kexpenses kare kcovered kwhile kthe kinsured kis kconfined kin ka khospital
kThere kis kno kdeductible kand kthe klimits kon kroom kand kboard kare kset kat ka
kspecified kdollar kamount kper kday kup kto ka kmaximum knumber kof kdays
Note: kThese klimits kmay knot kprovide kfor kthe kfull kamount kof khospital kroom kand
kboard kcharges kincurred kby kthe kinsured. kFor kexample, kif kthe khospital kexpense
kbenefit kwas k$200 kper kday kand kthe khospital kactually kcharged k$400 kper kday, kthe
kinsured kwould kbe kresponsible kfor kthe kadditional k$200 kper kday
basic ksurgical kexpense kcoverage k- kcorrect kanswers k-Commonly kwritten kin
kconjunction kwith khospital kexpense kpolicies
kThese kpolicies kpay kfor kthe kcosts kof ksurgeons' kservices, kwhether kthe ksurgery kis
kperformed kin kor kout kof kthe khospital
kCoverage kincludes ksurgeon's kfees, kanesthesiologist, kand kthe koperating kroom
surgical kexpense kcoverage kapproaches k- kcorrect kanswers k--surgical kschedule
kapproach
-reasonable kand kcustomary kapproach k
-relative kvalue kapproach
surgical kschedule kapproach k- kcorrect kanswers k-every ksurgical kprocedure kis
kassigned ka kdollar kamount kby kthe kinsurer
reasonable kand kcustomary kapproach k- kcorrect kanswers k-the ksurgical kexpense kis
kcompared kto kwhat kis kdeemed kreasonable kand kcustomary kfor kthe kgeographical
kpart kof kthe kcountry kwhere kthe ksurgery
was kperformed. kIf kthe kcharge kis kwithin kthe kreasonable kand kcustomary
kparameters, kthe kexpense kis knormally kpaid kin kfull. kIf kthe kcharge kis kmore kthan
kwhat kis kreasonable kand kcustomary, kthe kpatient kmust kabsorb kthe kdifference
relative kvalue kapproach k- kcorrect kanswers k--similar kto ksurgical kschedule
-The kdifference kis kthat kinstead kof ka kflat kdollar kamount kbeing kassigned kto kevery
ksurgical kprocedure, ka kspecified kset kof kunits kis kassigned. kThe kpolicy kwill kcarry ka
kstated kdollar-per-units kamount k(known kas kthe kconversion
factor) kto kdetermine kthe kbenefit
basic kphysicians' k(non-surgical) kexpense k- kcorrect kanswers k-Often kreferred kto kas
kBasic kPhysicians kNonsurgical kExpense kCoverage kbecause kit kprovides kcoverage
kfor knonsurgical kservices ka kphysician kprovides
kBasic kmedical kexpense kcoverage kcan kbe kpurchased kto kcover kemergency
kaccident kbenefits, kmaternity kbenefits, kmental kand knervous kdisorders, khospice
kcare, khome khealth kcare, koutpatient kcare, kand knurses' kexpenses
