Most medical expense policies exclude custodial care primarily because...
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Custodial care — help with bathing, dressing, eating, and other activities of daily living — is excluded from medical expense policies because it does not treat or cure a medical condition; it maintains the person's daily life. Medical insurance is designed to pay for medically necessary treatment of injury or illness, not for supportive assistance that does not require a physician or a skilled professional. Custodial care is instead the province of long-term care insurance. This exclusion is a standard common-exclusions point in the individual medical expense outline and is distinct from experimental or cosmetic exclusions already covered in the validated bank.
Why the other options are wrong
- B) Medicare Part B does not cover custodial care; Medicare covers medically necessary services only.
- C) Custodial care is not an essential health benefit and is not mandated under the ACA.
- D) Skilled hospital care is covered; it is custodial, non-skilled assistance that is excluded.
Memory hook
Medical insurance treats you; custodial care just helps you live — that is LTC's job.