Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Medical expense policies typically exclude custodial care, which is care that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Custodial care is care given mainly to help with activities of daily living, such as bathing, dressing, eating, and mobility. It does not require skilled medical or nursing training and is generally excluded from medical expense policies because it is not considered treatment of a medical condition. Skilled care, by contrast, requires trained medical personnel and is covered when medically necessary. This exclusion is a common and important limitation that agents should explain to clients.
Why the other options are wrong
- B) Skilled nursing care ordered by a physician is the covered side of the line; custodial care is non-skilled and excluded.
- C) Emergency room care is a covered service under medical expense policies, not an example of excluded custodial care.
- D) Prescribed physical therapy is skilled care and is covered when medically necessary, unlike custodial assistance.
Memory hook
Custodial = helping with life, not treating disease. Medical policies pay for skilled care, not housekeeping and dressing.