Which basic plan covers costs an insured incurs while confined to a hospital, including room and board, nursing care, X-rays, lab fees, operating and treatment room, oxygen, blood, medications and general anesthesia?

Explanation:

There are many types of health insurance plans:

Managed health care plans: health maintenance organizations (HMOs), point of service plans (POS), preferred provider plans (PPOs)

Payment plans for service

Catastrophic disease coverage

Savings accounts for medical expenses

Medical Compensation Policies

Cancer and other supplemental insurance

All of these plans require you to pay a monthly fee, referred to as the premium. Most also require that you pay either a flat fee for doctor's visits and other services (which is known as the co-payment), or a percentage of the cost (referred to as co-insurance). Some services require you to pay a copayment and coinsurance. Each year, most people also pay a certain amount of the costs of their medical care (known as the deductible) before their insurance begins to cover their medical expenses. Once you have covered the deductible, your insurance will pay a set percentage of your health care bills for the rest of the year.

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