Which type of coverage covers employment-related accidents and diseases at 100% with no out-of-pocket expense by the patient?

• A. Deductible
• B. Workman's Compensation
• C. Coinsurance
• D. Primary Insurance

Answer: (B)

Workers' compensation provides no-fault coverage for injuries or illnesses that occur on the job, covering medical treatment directly and often replacing some wages. Because it’s designed to remove financial barriers after a work injury, medical expenses are typically paid in full for the employee, with no out-of-pocket costs such as deductibles or coinsurance. That’s why it matches the description of coverage for employment-related incidents at 100% with no patient expense.

Deductibles are amounts you pay before coverage kicks in, so costs aren’t fully covered. Coinsurance means you pay a portion of the costs after meeting the deductible, so some out-of-pocket expense remains. Primary insurance refers to your general health plan, which usually involves copays, deductibles, or coinsurance and isn’t specific to work-related injuries.