Final answer:
Health insurance plans generally do not cover over-the-counter drugs as they are non-prescription medications. Insurance plans typically cover prescription drugs, physician services, and sometimes dental work and nursing home care. Policy specifics can vary, and details like deductibles and the type of care system (e.g., HMO) impact coverage and payment.
Step-by-step explanation:
The question 'A health insurance plan may pay benefits for all the following EXCEPT A) over-the-counter drugs B) a disabling injury or sickness C) nursing home care D) dental work' relates to the types of coverage provided by health insurance plans. Typically, health insurance plans are designed to cover the costs associated with medical care, such as prescription drugs, medical services from physicians, hospital services, and sometimes even dental work. However, insurance plans usually do not cover the costs of over-the-counter drugs, as these are non-prescription medications that individuals can purchase without the need for a doctor's order.
Important to note is that health insurance coverage details can vary significantly between different policies and providers. The definition of the term 'deductible' is particularly relevant in understanding insurance costs, where the policyholder is responsible for paying a certain amount out-of-pocket before insurance coverage commences. Furthermore, the type of healthcare system in place, whether it's fee-for-service, an HMO (Health Maintenance Organization), or another model, can influence the extent of coverage and the payment structure for insured services.