In a major medical plan with first-dollar coverage, which statement is true?

• A. Deductible is not required for any covered services
• B. Deductible applies to all services
• C. Deductible applies only to non-network providers
• D. Deductible is waived for hospital charges only

Answer: (A)

First-dollar coverage means the plan begins paying benefits from the first dollar of covered charges, with no deductible to meet before benefits start. In a major medical plan like this, there is no deductible for any covered service, though you may still have other cost-sharing such as co-pays or coinsurance. That’s why the statement about no deductible for covered services is true. The other ideas imply a deductible exists or applies in some situations, which isn’t the case in first-dollar coverage.