Questions and Answers
What is the purpose of Basic Medical Expense Insurance?
Basic Expense Policies cover nonsurgical doctor visits, room and board while hospitalized, and can include payment for office visits, x-rays, lab charges, ambulance, operating room costs, and surgeon's fees.
Which of the following are types of Basic Insurance? (Select all that apply)
What does Basic Medical Expense Insurance pay for?
It pays for office visits, diagnostic x-rays, lab charges, ambulance, and nursing expenses when not hospitalized.
What does Basic Hospital Expense Insurance cover?
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What is covered under Basic Surgical Expense Coverage?
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What do Other Physicians' Charges cover?
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What are common exclusions of basic medical insurance?
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Study Notes
Basic Medical Expense Insurance Overview
- Purpose is to cover medical expenses including nonsurgical doctor visits, hospital room and board, and additional services like x-rays and lab charges.
- Policies may expand to cover miscellaneous expenses and surgeon's fees related to surgeries.
Types of Basic Insurance
- Comprises three types: Basic Hospital Insurance, Basic Medical Insurance, and Basic Surgical Insurance.
- Coverage limitations often include a set number of hospital stay days and maximum dollar limits per payment.
- Patients have the autonomy to select their healthcare providers without needing referrals for specialists.
Basic Medical Expense Insurance Details
- Covers costs for non-hospitalized services such as office visits, diagnostic tests, ambulance services, and nursing care.
- Some plans may offer coverage for prescription medications.
Basic Hospital Expense Insurance Features
- Provides coverage for hospital room and board, typically in a semi-private setting, with daily coverage limits.
- May include miscellaneous expenses like inpatient lab work and medication up to specified daily limits.
Basic Surgical Expense Coverage Explanation
- Covers fees for surgeons and anesthesiologists during surgical procedures.
- Benefit limits are predefined in surgical schedules; comparable surgeries are used for unlisted procedures.
- Some benefits are based on a relative value scale, assigning points to surgical complexity and difficulty.
Coverage of Other Physicians' Charges
- Includes coverage for nonsurgical services during hospital visits, office visits, and emergency services like ambulances and nursing care.
Common Exclusions in Basic Medical Insurance
- Routine vision and dental care are typically excluded from coverage.
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Description
Test your knowledge of Basic Medical Expense Insurance with these flashcards. This quiz covers the essential components and the purpose of basic expense policies, including coverage for hospital stays, doctor visits, and miscellaneous expenses. Perfect for students and professionals in the medical insurance field.
