Vocabulary Types of medical expense coverage Why is it important to be familiar with the variety of medical expenses covered by health insurance plans? Check all that apply. To minimize the chances of unpleasant surprises, particularly regarding gaps in-or lack of – coverage To obtain the best coverage for the lowest cost To avoid buying coverage so unlikely to be used that it’s not worth the cost To make cost-effective treatment decisions Match the types of medical expenses coverage’s on the left with the descriptions on the right. Select the letter of the description in the Answer column next to the correct coverage. A. Very restrictive coverage; pays a specified amount for a named disease, such as blindness, heart disease or cancer. B. Covers semiprivate room rate including meals and nursing care; number of admission days usually limited C. Covers costs for an operation deemed medically necessary; usually excludes cosmetic procedures D. Often a low maximum coverage, $1,000 to $2, 500 per patient, for fillings, root canals, oral surgery, cleanings, orthodontics E. Covers cost of doctor visits, including consultations with specialists F. Usually written under a group contract, includes coverage for hospitalization, surgery, physicians, and major medical protection in a single policy G. Provides broad coverage; common lifetime limits of $500,000, $1,000,000, or no limits at all; usually includes a high deductible to expenses protect against a catastrophic medical even
