What is typically not included in health insurance coverage?

Cosmetic procedures are generally not included in health insurance coverage because they are considered elective treatments rather than medically necessary services. Most health insurance plans are designed to cover treatments that are required to maintain health, manage illnesses, or address injuries, which aligns with essential health needs. Cosmetic procedures, which often focus on improving appearance without treating medical conditions, do not meet the criteria for such coverage.

In contrast, emergency services, preventive care, and maternity care are typically covered by health insurance plans. Emergency services address urgent medical needs, preventive care includes screenings and vaccinations to help avoid future health issues, and maternity care covers prenatal and postnatal services that are essential for the health of both the mother and the baby. These types of care are fundamental in ensuring overall public health and are, therefore, prioritized within insurance policies.