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insurance companies refuse to insure them. students are young and healthy. an older student population is not covered by family policies. students don't care if they get sick. students don't need health insurance. Question 19. 19. Which of the following statements is true? (Points : 1) Physician expense insurance coverage normally includes visits to the doctor's office, x-rays, and lab tests. Basic health insurance coverage includes hospital expense insurance, surgical expense insurance, and physician expense insurance. A deductible provision requires the policyholder to pay a basic amount before the policy benefits begin. A good health insurance plan should impose no unreasonable exclusions. All of the above Question 20. 20. (TCO 4) If you have purchased a medical insurance policy with a very low deductible and the policy pays for hospital, surgical, medical, and other bills under one plan, this is a called a _____. (Points : 1) low-cost policy. hospital indemnity policy long-term care insurance