Joe Hines works as an electrician for a small company. One day, he falls off a ladder at work and injures his back severely. He is taking to the emergency room by ambulance, and the attending physician orders x-rays and a CAT scan! The tests confirm that Joe's spine is broken in two places and a cast is applied around Joe's entire torso. After a week in the hospital, Joe is discharged. The physician discharge all the states that Joe is to stay in bed for 7 months, in traction, while the fractures heals. A home health agency is contracted to provide a trained hair care professional to go to Joe's house to care for him and attend to his knees around the clock.

1.) In this scenario what type of insurance will be responsible for the payment of each of Joe's expenses due to this accident?

Sarah goes to Margaret's house for dinner. After a delicious meal, Sarah walks toward the door to leave and go home. As she turns to say goodnight to Margaret, Sarah trips and falls. Margaret cause the paramedics, and, at the hospital, the x-rays order by the attending physician confirm that Sarah has indeed broken her wrist. A cast is applied, and Sarah is sent home with a prescription for pain medication. The attending physician advises Sarah to see her primary care physician in one week for a follow-up.

2.) What type of insurance will cover Sarah' medical expenses?