Question: M is insured under a basic Hospital / Surgical Expense policy. A physician performs surgery on M . What determines the claim M is eligible

M is insured under a basic Hospital/Surgical Expense policy. A physician performs surgery on M. What determines the claim M is eligible for?
A. Claim payment is negotiated between physician and patient
B. Determined by the schedule of benefits from the hospital
C. Claim payment is equal to physician's actual charges
D. Determined by the terms of the policy
M is insured under a basic Hospital / Surgical

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