Question

All but one of the following items are generally treated as exclusions from insurance coverage. Identify the one item.

Select one:

a. Plastic surgery performed for cosmetic reasons

b. Experimental medical procedures and therapies

c. Services not provided by a licensed physician

d. Brain scans for people suffering head injuries

Answer 1

Plastic surgery performed for cosmetic reasons - Plastic surgeries only with a medical or surgical indication and/or reconstruction purpose (after injury/trauma) are covered under insurance. Plastic surgeries performed for purely cosmetic purpose like breast augmentation, breast reduction without any medical/surgical indication, facelift, nose reduction, liposuction etc are not covered. Rest all options are covered by insurance plans depending upon nature and extent of coverage.