Covered California Certified Enroller Practice Exam

What type of services does a minimum coverage plan provide before the out-of-pocket maximum is reached?

1. All services at full coverage

2. Preventive services and first three doctor visits

3. Only emergency services

4. No services are covered

The correct answer is: Preventive services and first three doctor visits

A minimum coverage plan, also known as a bronze plan or minimum essential coverage, is designed to provide certain essential health benefits. Before the out-of-pocket maximum is reached, these plans typically cover a range of services, with a focus on preventive care and initial healthcare visits. The correct answer highlights that minimum coverage plans provide preventive services at no charge to the insured. This includes routine check-ups, vaccinations, and screenings that are essential for preventing illness. Additionally, plans may include coverage for the first few doctor visits, which allows individuals to seek care without a hefty upfront cost, ensuring they have access to needed treatments early on. This structure is particularly important as it encourages individuals to utilize necessary healthcare services without the barrier of high costs, contributing to better overall health outcomes.