American Academy of Professional Coders (AAPC) Practice Exam

Which type of insurance does NOT fall under excepted benefits?

1. Worker's compensation

2. Accident and disability income insurance

3. Comprehensive health insurance

4. Supplemental liability insurance

The correct answer is: Comprehensive health insurance

Comprehensive health insurance is classified as a type of insurance that does not fall under excepted benefits due to its extensive nature in covering a wide array of healthcare services. Unlike excepted benefits, which typically provide limited coverage or fall under specific categories intended to complement primary health insurance, comprehensive health insurance is designed to cover a broad spectrum of medical expenses, including hospitalization, outpatient care, preventive services, and more. Excepted benefits often relate to certain types of ancillary or supplementary coverage that do not meet the minimum essential coverage requirements outlined in the Affordable Care Act. They are typically more limited in scope and duration compared to comprehensive health insurance, which is structured to ensure that policyholders receive extensive healthcare coverage. For instance, worker's compensation is aimed specifically at job-related injuries; accident and disability income insurance provides compensation for loss of income due to accidents or disabilities; and supplemental liability insurance primarily addresses specific types of liabilities. Thus, comprehensive health insurance stands out as a primary coverage type and is not considered an excepted benefit.