Arizona Health Insurance Practice Exam

Which of the following is NOT typically covered under a standard health insurance plan?

1. Preventive care

2. Cosmetic surgery

3. Emergency services

4. Rehabilitation services

The correct answer is: Cosmetic surgery

Cosmetic surgery is generally considered not to be a necessary medical procedure and, therefore, is typically excluded from standard health insurance coverage. Health insurance plans are designed to cover services that are required for the maintenance or improvement of health, which typically includes essential medical procedures. Preventive care, emergency services, and rehabilitation services all fall under services that support health and wellbeing and are more commonly included in standard health insurance plans. Preventive care is aimed at preventing illnesses and includes vaccinations and routine check-ups. Emergency services cover urgent medical situations that require immediate attention, while rehabilitation services help patients recover from serious health conditions or injuries. Consequently, these three categories are integral to health maintenance and are usually covered by most health insurance policies. This distinction underscores why cosmetic surgery, unless deemed medically necessary, is often left out of these standard plans.