1. Major medical insurance is distinguished from basic medical expense coverage primarily by its:

High maximum limits and broad coverage with deductibles and coinsurance

Major medical offers high limits and broad coverage, using deductibles and coinsurance to share costs.

2. A point-of-service (POS) health plan is best described as:

A hybrid combining HMO and PPO features, letting members choose in or out of network at the time of care

A POS plan blends HMO and PPO features, allowing members to decide in-network or out-of-network at the point of care.

3. When a plan limits reimbursement to the usual, customary, and reasonable (UCR) amount, it pays:

Up to the prevailing charge for similar services in the area

UCR limits payment to the prevailing charge for similar services in the same geographic area.

4. Many modern medical plans encourage which type of care to help reduce later costs?

Preventive care such as screenings and immunizations

Plans encourage preventive care like screenings and immunizations to catch problems early and lower costs.