What type of medical expense plan provides benefits without requiring a deductible to be met?

The correct choice is a medical expense plan because it typically offers benefits that start immediately upon the occurrence of a covered event, without requiring the insured to pay a deductible first. This means that the insured can receive benefits right away, making it more accessible for individuals who may need immediate care without worrying about out-of-pocket costs before coverage begins.

In contrast, other types of plans, such as major medical expense plans and comprehensive medical plans, usually do involve deductibles. This means that policyholders must first pay a certain amount out-of-pocket before the insurance coverage kicks in. Catastrophic health plans are designed primarily for worst-case scenarios and tend to have high deductibles, requiring the insured to incur substantial costs before the plan contributes to expenses.

By providing benefits without the need for a deductible, medical expense plans can be more attractive to individuals who want to ensure that they can access healthcare services without delay and without the burden of upfront costs. This makes them particularly useful in cases where immediate medical attention is necessary.