Hey, all! More studying to do. At least chapter is marginally more interesting. Or maybe it's slightly more self explanatory.

Principle Types of Losses and Benefits

Massive Mario Kart tournament is played in which Adrianna easily beats both Finn and Cliff and they spend the next half hour arguing over whether she cheated, despite even Baymax claiming that she won because of her own skills. After which everyone decides to sit down and let Baymax continue to explain the intricacies of insurance.

BAYMAX: I hope you have all had fun. Judging by your neurotransmitter levels, I believe it would be a safe assumption.

Finn scoffs but Cliff elbows him.

BAYMAX: Our next lesson is on Principle Types of Losses and Benefits. Who can give me an example of loss in terms of heath insurance?

WASABI: Mobility!

HICCUP: Income?

CLIFF: Quality time with bros!

BAYMAX: Correct. Loss of income, time, and ability are all at stake when there are sicknesses and accidents. Loss of income from an accident of sickness is covered under Disability Income Policies. From an insurance company's perspective, loss of income is the primary risk associated with a disability.

TADASHI: Yeah, that makes sense. Not being able to work while sick or disabled could cause a lot of problems for you and your family.

BAYMAX: This is true. Medical Expense is a category of Health Insurance that provides benefits for Medical Care but not for the loss of income. The benefits may be paid to an insured but an insured would have the responsibility of paying the medical charges. This describes a Reimbursement Benefit Payment Plan. So remember: a Reimbursement Benefit Payment Plan provides benefits but the insured is responsible for paying the medical charges. Medical Expense is a part of health insurance that provides only medical care benefits, not loss of income.

HIRO: That's a lot to remember.

OVERLORD KATIE: I know, right?

HIRO: You stay out of this!

BAYM AX: Moving on, Dental Expense is a form of Medical Health Insurance that covers the preventative treatment, care of Dental disease, and injury affecting an insured's teeth. Dental plans often require an insured to undergo periodic examinations as a condition for continued coverage. When Dental treatment is required to repair an injury or cavity, it is an expense covered under Hospital or Medical Expense policy as routine and major restorative care.

HICCUP: So Gobber's health insurance plan would, in fact, repair his tooth.

BAYMAX: Exactly. Because it is considered an injury, it would be covered under Hospital or Medical Expense policies, not necessarily Dental insurance.

HICCUP: Now comes the hard part.

FINN: What, getting Gobber to see a doctor?

HICCUP: Yeah, that's about it.

BAYMAX: Long-Term Care Expense is a Health Insurance Policy that provides for the daily care of an insured when confined to a Nursing Home, or in some cases, to their own home (Home Health Care).

WASABI: So Long-Term Care Expense means extended care for a nursing home or home health care.

BAYMAX: Correct. This is a fairly easy concept to remember so let us move on. Vision Coverage is designed to provide eye examinations and eyeglasses on a limited basis and is generally provided in Group Health Insurance coverage by employers for their employees. It would not contain coverage for sunglasses.

ASTRID: Sounds like Odin could benefit.

OVERLORD AMANDA: ODIN IS THE WORST FATHER EVER, DO YOU KNOW WHAT HE DID TO THOR AND LOKI, HOW DARE HE!

WASABI: Who was that?

TADASHI: The overlord both Gogo and I should probably fear.

WASABI: Ah. Moving on.

BAYMAX: Prescription Coverage is similar to Vision coverage because it is usually provided in a Group Health Plan. An insured pays a co-payment amount and an insurance company (insurer) pays the balance. There are often limitations on quantities (30 to 90 day supply) that can be purchased. Generic or off the label drugs may also be covered.

ADDIE: Ugh, I have to go through this every single month.

CLIFF: Raises his eyebrow. Uhh what?

HICCUP: She takes Adderall and our insurance only covers it for 30 days. She needs to go to a doctor's every month just for a refill.

ERICK: Well that's annoying.

ADDIE: Tell me about it. And I can't function without it, you know how bad I get when I try to focus on anything.

ERICK: That's probably because Adderall is usually abused.

ADDIE: Sure, in high doses. Do I look like a drug dealer?

FINN: Yes.

ERICK: No.

CLIFF: Only when you wear your hair up.

Everyone stares at them.

ADDIE: Let's just move on.

BAYMAX: An Accidental Death and Dismemberment (AD&D) in a Disability Income Policy pays a benefit when an insured dies or loses multiple limbs or body parts as a result of an accident. This is the Principal Sum or Face Amount. A lesser amount is paid of an insured loses a single limb or body part known as the Capital Sum. The Capital Sum is always a percentage of the principal sum. The loss of one hand, arm, leg, or eye is often 50% of the face amount. Both sums are paid in a lump sum. In general, as long as an insured (client) dies as a result of an accident and the death occurs within 90 days of the accident, the policy will pay the Accidental Death Benefit.

HICCUP: Okay, I actually am a bit familiar with this. When Gobber lost his limbs, my dad was the beneficiary if he died. I know we'd have gotten a large sum if he had died but since he only lost limbs without dying, we used that money to pay for his hospital charges. Thankfully, we didn't get that Accidental Death Benefit.

FINN: Good thing too.

ERICK: Though I was in the hospital for weeks when I lost my leg. I guess insurance covered that.

HICCUP: AD&D would have covered that, yes.

BAYMAX: Finally, a Specified Disease Policy is a policy specifically issued to provide coverage for certain conditions or limited sicknesses. For example, a Dread Disease Policy, also known as a Critical Illness Policy, would cover Heart Disease or Cancer.

TADASHI: So Specified Disease Policy covers a single disease.

BAYMAX: Correct.

HIRO: And that's all there is?

BAYMAX: That is all.

FRED: Cool. Super Smash Bros tournament?

CLIFF: I call Luigi again!

ADDIE: You do realize that not all depictions of Luigi give in the Luigi Death Stare, right?

CLIFF: Of course they do! It's just more subtle in the other games.

FINN: Was it in the Super Mario Bros movie?

Cliff and Fred gasp dramatically.

CLIFF: HOW DARE YOU KNOWLEDGE THAT MOVIE'S EXISTENCE!

FRED: As far as I'm concerned, that movie is outlawed!

ASTRID: Ooookay then.

BAYMAX: I have some concerns.

TADASHI: Don't worry, buddy. Super Smash Bros is just a game. We're not really going to be beating each other up like that.

BAYMAX: Violent video games should not be played by those most susceptible to physical violence.

As Baymax explains everything any of them could possibly want to know about violent video games, Finn and Fred argue over who gets to play as Link. All the others watch, taking turns and ignoring Baymax.

One of my medications is making me not want to write anymore. I'm currently trying to narrow down which one it is. So these stories could vary in weirdness.

~KateMarie999