Ohio Health Insurance Practice Exam

Routine and Preventive Maintenance typically refers to the types of healthcare services aimed at preventing illnesses and maintaining health, rather than addressing acute or emergency situations. When looking at the context of what Routine and Preventive Maintenance encompasses, it includes services like annual check-ups, vaccinations, screenings, and other preventive treatments that are designed to catch health issues early on.

Option B accurately describes that this care often includes an annual maximum coverage amount, which is a standard approach used in health insurance plans to manage the financial aspects of preventive care. Without a deductible or copayment means that the insured can access these services without having to meet a certain spending threshold first or pay out-of-pocket expenses at the time of service, which encourages regular visits for preventive care.

This structure is beneficial as it helps promote health and well-being, ultimately leading to reduced healthcare costs in the long term by avoiding more serious health issues.