Final answer:
Covered services in a clinical coverage policy are listed in a specific section, separate from the non-covered services which have their own distinct section. Insurance policies with higher copays are suited for those preferring lower premiums, while those with higher premiums and lower copays appeal to individuals wanting predictable costs. Private insurance is categorized as employment-based or direct-purchase.
Step-by-step explanation:
In a clinical coverage policy, covered services are usually delineated in a specific section that lists what the insurance plan will pay for, including certain medical procedures, doctor visits, medications, and therapies. Conversely, non-covered services are often listed in their own distinct section, detailing what is not included in the policy coverage and thereby out of the scope of the insurance benefits. It is uncommon for covered and non-covered services to be intermixed throughout a policy; they are typically separated for clarity.
Regarding insurance policies and customer types: An insurance company may offer a policy with a high copay to customers who prefer paying lower monthly premiums but are willing to pay more out of pocket when accessing healthcare services. On the other hand, a high premium policy with a lower copay could be offered to those who seek more predictable healthcare costs and are willing to pay more on a monthly basis to reduce their costs at the time of receiving services.
Private insurance includes either employment-based insurance, where the coverage is sponsored by an employer or union, or direct-purchase insurance, which is purchased individually from a private company.