Which three hospital expense areas are typically covered by Basic Medical Expense policies?

• A. Hospital room and board; Intensive care; Ancillary charges
• B. Emergency room services; Outpatient treatments; Cosmetic services
• C. Nursing care; Ambulance; Dental care
• D. Ambulatory surgery; Vision care; Prescription drugs

Answer: (A)

Basic Medical Expense hospital coverage is built around the main costs you incur during an inpatient stay. The three areas that are typically covered are the actual hospital environment and care provided: hospital room and board (the daily cost of staying in the hospital), intensive care charges (costs for care in the ICU), and ancillary charges (the wide range of supporting hospital services such as lab tests, X-rays, medications administered in the hospital, operating room and anesthesia, etc.). Together these cover the core components of inpatient hospitalization: where you reside, the level of care needed, and the services that support treatment. Other services like emergency room visits, outpatient treatments, cosmetic procedures, nursing care outside the hospital setting, ambulance, dental, ambulatory surgery, vision, and prescription drugs are typically not included under basic hospital expense coverage or are handled under separate benefits or riders.