A major medical expense plan typically includes coverage for hospital room and board. Which item is normally covered under this category?

• A. General nursing care
• B. Private room
• C. Prescription drugs
• D. Transportation to hospital

Answer: (A)

Hospital room and board covers the in-hospital living costs during a stay, including lodging, meals, and the general nursing care you receive while admitted. General nursing care is bundled with the room and board charges as part of the daily inpatient services, so it’s normally included under this category. In contrast, the type of room (such as a private room) isn’t guaranteed to be covered as part of room and board and may incur extra charges or depend on the plan’s specifics. Prescription drugs are usually handled under a separate drug benefit, and transportation to the hospital is typically a separate benefit as well.