Which statement is true about Major Medical compared with Basic Medical Expense?

• A. Major Medical includes deductibles, coinsurance, and high benefit limits
• B. Major Medical has no deductible
• C. Basic Medical provides higher coverage
• D. Basic and Major are identical

Answer: (A)

Major Medical plans are built to handle larger medical expenses beyond routine care. They pair a deductible and coinsurance with very high benefit limits, so you pay a portion of costs up front and the plan covers the rest up to a high maximum. This is why the true statement notes that Major Medical includes deductibles, coinsurance, and high benefit limits. The alternative that Major Medical has no deductible isn’t accurate, because major medical coverage typically starts after meeting a deductible. Basic Medical generally offers lower coverage and lower limits, and Basic and Major are not identical in how they pay benefits.