What does a service benefit plan primarily cover?

A service benefit plan primarily covers certain medical and surgical services at no cost to the insured. This type of plan is designed to provide financial coverage for a range of healthcare services that the insured may require, particularly those that are necessary for treatment or surgical procedures. The emphasis on "no cost to the insured" indicates that the plan aims to reduce out-of-pocket expenses associated with receiving medical care, which is a critical aspect of many health insurance plans.

By effectively managing the costs of medical care for its members, a service benefit plan ensures that individuals can access necessary healthcare services without significant financial burden. It contrasts with other options that suggest limitations or specific service focuses that are not typically representative of a comprehensive service benefit plan.