Questions: Part of figuring out what kind of overall health care plan is best for you includes knowing the costs that health care insurance covers. In the event of an illness or accident, health care insurance protection is designed to cover which of the following costs? Check all that apply. - Loss of income - Repairs to the home - Medical care - Loss of household services

In the context of health care insurance, the primary focus is on covering costs related to medical care. Health care insurance is designed to alleviate the financial burden associated with medical expenses incurred due to illness or accidents. Here is a breakdown of the costs typically covered by health care insurance:

1. Medical Care: This is the primary cost covered by health care insurance. It includes expenses related to doctor visits, hospital stays, surgeries, prescription medications, and other medical treatments and services.

2. Loss of Income: While traditional health care insurance does not directly cover loss of income, there are specific types of insurance, such as disability insurance, that provide income replacement if an individual is unable to work due to illness or injury. This is often calculated as a percentage of the individual's monthly earnings to approximate their regular pay.

3. Repairs to the Home: Health care insurance does not cover costs related to home repairs. These expenses are typically covered by homeowners insurance.

4. Loss of Household Services: Similar to loss of income, traditional health care insurance does not cover the loss of household services. However, some disability insurance policies may offer benefits to help cover the cost of hiring help for household tasks if the insured is unable to perform them due to a disability.

In summary, health care insurance primarily covers medical care costs, while other types of insurance, such as disability insurance, may address loss of income. Home repairs and loss of household services are not covered by health care insurance.