Final answer:
A facility-only plan does not cover healthcare costs outside of hospital stays, such as physician services, medical tests, and outpatient visits. These are covered under Part B type plans, which are not part of facility-only plans that focus mainly on inpatient hospital services.
Step-by-step explanation:
A benefit that would NOT be found in a facility-only plan is coverage for health-care costs outside of hospital stays. This includes physician services, medical tests, and outpatient visits, which are typically covered under Part B insurance systems, like Medicare in the United States.
Under such plans, participants pay a monthly fee, deductible charges, and copayments, while the government contributes to the bulk of the costs.
Facility-only plans focus mainly on services provided within a medical facility, such as a hospital or clinic, and do not cover outpatient services. This creates a gap in coverage for individuals who may rely on regular medical services outside of a hospital setting.
To address the needs of such individuals, especially those who are poor or may not have insurance, a broader coverage plan would be required to ensure that they have access to necessary medical care without the financial burden.
Unlike facility-only plans, Health Maintenance Organizations (HMOs) offer a different approach to healthcare financing by providing a network of preselected healthcare providers and services for a set monthly fee.
However, in a fee-for-service health financing system, providers are reimbursed based on the individual services provided, which can be more costly and less efficient for patients in need of routine outpatient care.