Question

The type of health insurance coverage that may cover routine doctor visits, x-rays, andlab tests is _____

group of answer choices
a) dental expense.
b) surgical expense.
c) hospital expense.
d) physician expense.
e) major medical expense.

Answer 1

The health insurance coverage that may cover routine doctor visits, x-rays, and lab tests is 'physician expense'. This caters to outpatient care which falls under routine medical services and is part of many health insurance plans.

Step-by-step explanation:

The type of health insurance coverage that typically includes routine doctor visits, x-rays, and lab tests is d) physician expense.

These services are considered part of outpatient care, which is often covered under the 'physician expense' category of health insurance plans. This coverage category typically includes fees for services provided by doctors during routine visits, as well as payments for minor procedures and diagnostic tests that don't require a hospital stay. In most health insurance plans, costs such as deductibles, co-payments, and co-insurance are part of the expenses that the insured might have to pay out-of-pocket, even though insurance will cover a significant portion of the routine medical costs.

Health Maintenance Organizations (HMOs) provide an alternative to fee-for-service plans. In HMOs, covered individuals pay a fixed amount and receive care from physicians within the HMO network. Unlike fee-for-service systems that reimburse based on individual services provided, HMOs focus on a pre-negotiated rate for enrolled patients, potentially lowering the cost for routine care.