Health insurance typically covers which type of services?

• A. Preventative health services
• B. Major surgeries
• C. Cosmetic procedures
• D. Experimental treatments

Answer: (A)

Health insurance typically covers services that prevent illness or catch problems early. Preventive health services are usually covered with no out-of-pocket cost because they help avoid more serious and costly health issues later. Examples include routine screenings (such as mammograms and colon cancer screenings), immunizations, and preventive counseling.

Major surgeries are covered when medically necessary, but you’ll often have deductibles and coinsurance. Cosmetic procedures are generally not covered because they aren’t medically necessary. Experimental treatments are typically not covered unless you’re in a qualifying clinical trial or the plan has a special provision.

So preventive health services are the type most plans include as standard, often at no cost to the insured.