In a standard medical expense policy, custodial care is typically:

• A. Always covered in full.
• B. Generally not covered, unless a rider or extended care benefit provides coverage.
• C. Covered only if provided in a hospital.
• D. Covered automatically after the deductible is met.

Answer: (B)

Custodial care means non-medical assistance with daily living activities like bathing, dressing, dressing, or supervision. In a standard medical expense policy, these services are typically not considered medically necessary treatment, so they’re excluded from basic coverage. The only way custodial care would be covered is if you have an added rider or extended care benefit that explicitly includes custodial or long-term care services. Without that add-on, the policy won’t pay for custodial care.

So, this reflects why custodial care is generally not covered unless a rider or extended care benefit provides coverage. The other ideas—covering it automatically after a deductible is met, or requiring hospital-based care, or promising full coverage—don’t align with how standard medical expense policies handle custodial services.