Which statement correctly describes the rights of the insured under a basic medical expense plan?

The statement that the insured has the right to choose a healthcare provider accurately reflects a fundamental principle of basic medical expense plans. These plans typically allow patients the freedom to select their healthcare professionals, which can include specialists, primary care physicians, and hospitals, without needing to receive services solely from network providers. This flexibility is a crucial aspect of many medical insurance policies, as it empowers insured individuals to seek care based on their preferences and needs rather than being restricted to a limited set of providers.

The other options suggest limitations on the rights of the insured that do not universally apply to basic medical expense plans. Accessing only network providers, for instance, might pertain to specific managed care plans like Health Maintenance Organizations (HMOs), but is not a characteristic of basic medical plans in general. Similarly, high deductibles are not a defining feature of all basic medical expense plans; options can vary widely based on the specific policy terms. Lastly, the idea that insured individuals cannot change providers contradicts the essential right to choose, as many policies allow for changes in healthcare providers as needs evolve.