Massachusetts Health & Accident Insurance Practice Exam

An Integrated Deductible means:

1. The deductible can only be met through major medical expenses

2. The amount may be satisfied by payments under basic medical coverage

3. It applies differently based on the insurance provider

4. It's applicable only for hospitalization costs

The correct answer is: The amount may be satisfied by payments under basic medical coverage

An Integrated Deductible refers to a structure in health insurance where the deductible can be met using expenses from multiple plans or coverage types, specifically basic medical coverage in conjunction with major medical coverage. In this case, option B accurately describes that the deductible amount can be satisfied by payments made under basic medical coverage, meaning that expenses from both basic and major medical plans can contribute to the fulfillment of the overall deductible. This integrated approach helps policyholders by allowing them to combine costs from different services and coverages, making it easier to reach the deductible threshold. The other options do not accurately represent the concept of an Integrated Deductible. For instance, while it is true that an integrated deductible can apply to various types of expenses, it is not limited solely to major medical or hospitalization costs, nor does its application vary strictly by insurance provider in a direct sense. The ability for payments from basic medical coverage to count towards the deductible is a defining characteristic of an Integrated Deductible.