American Academy of Professional Coders (AAPC) Practice Exam

Which of the following is considered excepted benefits?

1. Coverage for preventive health care

2. Accident and disability income insurance

3. Comprehensive health insurance

4. Emergency medical insurance

The correct answer is: Accident and disability income insurance

Excepted benefits are types of insurance that do not meet the requirements of the Affordable Care Act and are therefore exempt from certain regulations, including mandate provisions. Accident and disability income insurance specifically falls under this category because it primarily provides financial benefits if a person suffers an accident or becomes disabled, rather than providing comprehensive medical coverage. In contrast, options such as coverage for preventive health care, comprehensive health insurance, and emergency medical insurance typically provide medical care benefits and are subject to ACA regulations. Comprehensive health insurance covers a wide range of medical services and is designed to provide extensive health care benefits. Emergency medical insurance focuses on urgent medical care and is also considered a type of health insurance that falls under ACA requirements. Therefore, these options cannot be classified as excepted benefits as they do not fit within the exemption framework established for specific types of insurance.