PSI Ohio Insurance Practice Exam

Which of the following types of coverage is typically NOT included in group health insurance plans?

1. Short-term disability

2. Long-term care

3. Life insurance

4. Dental and vision

The correct answer is: Long-term care

Long-term care coverage is typically not included in group health insurance plans. This type of insurance is designed to cover services that assist individuals with chronic illnesses, disabilities, or other conditions that require long-term care, often including assistance with daily activities. While group health insurance plans often offer various benefits such as medical coverage, short-term disability, life insurance, and sometimes dental and vision care, long-term care insurance is generally a separate product. It specifically addresses the need for extended care beyond what standard health insurance would cover, which is why it is usually not part of group health plans. This distinction underscores the unique nature of long-term care and the specific needs it addresses compared to the more common components found in group health coverage.