Which term describes an insurance plan that helps to cover preventive care services at no additional cost?

The term that describes an insurance plan that helps to cover preventive care services at no additional cost is a comprehensive plan. Comprehensive health insurance typically includes a wide range of services, including preventive care such as vaccinations, screenings, and annual check-ups, without additional out-of-pocket expenses for the insured. This design encourages individuals to utilize preventive services, thereby promoting early detection and potentially reducing long-term healthcare costs.

While high-deductible plans may cover preventive services, they usually require the insured to pay a high deductible before other healthcare costs are covered. Supplemental insurance is designed to provide additional coverage but does not focus on preventive care explicitly. Marketplace plans refer to insurance options available through health insurance exchanges, which can include various types of coverage but are not solely defined by the inclusion or exclusion of preventive services at no cost.