Amber Parker is a 32-year-old married mother with two children, ages 3 and 4. She used to work out of her home as a medical transcriptionist for a local hospital that off ered a health care plan. Last year Amber suff ered severe head injuries in a bicycling accident.

Amber’s wounds have healed and she has regained her ability to speak but is not yet able to walk on her own or use her hands and arms very well. Amber is recuperating at home but requires a daily paid caregiver to assist with her personal needs. Her children now go to daycare and it may be 5 years before she can work again.

Which of the following aspects of her injury were covered by Amber’s health care plan?

A. Her hospital stay and surgery B. Her at-home custodial care C. The cost of daycare for her children D. Her lost income