An insurance policy designated to pay fees not covered by conventional plans is a?

A companion plan is designed to supplement conventional insurance policies by providing coverage for fees or services that those primary plans do not cover. This type of insurance is particularly useful in situations where standard coverage might leave gaps in care, allowing the policyholder to access a broader range of services and financial protection.

Companion plans are often used in healthcare scenarios, where patients may find that conventional insurance does not cover certain treatments, specialist consultations, or elective procedures. By offering additional coverage specifically for these instances, companion plans help individuals manage their out-of-pocket expenses more effectively, thus providing financial peace of mind and access to necessary care.

The other options represent different types of insurance but do not serve the same purpose as a companion plan. Commercial plans are typically insurance policies offered by private companies, government plans refer to policies funded by government programs, and private plans generally denote insurance covered by individuals not associated with a group health plan. None of these specifically focus on supplementing existing coverage to fill in the gaps left by primary policies, which is the defining characteristic of a companion plan.