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 specified limits.

2. Major medical insurance is generally characterized by:

High maximum limits with a deductible and coinsurance

Major medical plans feature high benefit maximums along with deductibles and coinsurance shared by the insured.

3. A health savings account (HSA) must generally be paired with:

A qualified high-deductible health plan

An HSA must be coupled with a qualified high-deductible health plan to receive its tax advantages.

4. In a managed care plan that uses a gatekeeper, the primary care physician:

Coordinates care and refers members to specialists

In a gatekeeper model, the primary care physician coordinates care and provides referrals to specialists.