What is a characteristic of the HIP Basic plan?

• A. Unlimited specialist visits
• B. No copayment required for doctors or prescriptions
• C. High deductibles
• D. All of the above

Answer: (B)

The main idea is how cost-sharing is structured in a plan—what you pay out of pocket for care. HIP Basic is described by reducing upfront costs for common services, so having no copayment for doctor visits and for prescriptions fits that approach. When a plan doesn’t require a copay at the time of a visit or for medications, it lowers the routine cost barrier to seeking care, which is a characteristic often highlighted for Basic-level plans.

Why this description stands out: unlimited specialist visits would be unusual in a basic plan because plans typically limit or require referrals for specialist care and may still impose some cost sharing. A high deductible would also contradict the idea of a basic plan designed to keep out-of-pocket costs low. Since those features don’t align with how HIP Basic is commonly structured, the statement about no copayments for doctors or prescriptions is the one that matches the plan's usual design.