Maryland Life and Health Insurance License Practice Exam

Major Medical expense plans provide coverage for each of the following EXCEPT?

1. Work-related injuries

2. Hospitalization

3. Physician services

4. Preventive care

The correct answer is: Work-related injuries

Major Medical expense plans are designed to provide comprehensive coverage for a wide range of healthcare services. These plans typically cover substantial medical expenses associated with serious illnesses or injuries, including hospitalization, physician services, and preventive care. Hospitalization is a core component of major medical plans, as these policies are structured to cover the high costs associated with inpatient stays. Similarly, physician services, which include visits to healthcare providers for diagnostics and treatment, also fall under the coverage of these plans. Preventive care, which aims to prevent illness or detect issues early, is often included in major medical plans to promote overall health and wellbeing. However, work-related injuries are generally covered by workers' compensation insurance rather than major medical expense plans. Workers' compensation is specifically designed to provide benefits to employees who suffer injuries or illnesses as a result of their job. Therefore, among the options presented, work-related injuries would be the exception when discussing the coverage provided by major medical expense plans.