1. Basic hospital expense coverage typically pays for:

Hospital room and board and miscellaneous hospital charges up to stated limits

Basic hospital expense coverage pays for room and board and miscellaneous hospital charges up to the stated limits.

2. Basic surgical expense coverage generally pays surgeons' fees according to:

A surgical schedule or usual and customary amount up to a limit

Basic surgical expense coverage pays for surgery based on a surgical schedule or usual and customary charge up to a stated maximum.

3. Comprehensive major medical insurance is best characterized by:

A broad range of medical expenses subject to a deductible and coinsurance

Comprehensive major medical covers a wide range of medical expenses subject to a deductible and coinsurance up to high limits.

4. Under a capitation arrangement, an HMO pays a network physician:

A fixed amount per member per period regardless of services used

Capitation pays providers a set amount per enrolled member per period, shifting some utilization risk to the provider.