Arizona Health Insurance Practice Exam 2025 – Complete Test Prep

Question: 1 / 400

What kind of benefit might be excluded from a health insurance policy?

Routine annual check-ups

Cosmetic surgery that is not medically necessary

Cosmetic surgery that is not medically necessary is often excluded from health insurance policies because most plans are designed to cover treatments that are deemed essential for medical health and well-being. Typically, health insurance focuses on providing financial assistance for procedures that address serious health issues, injuries, or illnesses rather than for elective procedures that are performed for aesthetic reasons.

Insurers view cosmetic surgery that isn't medically necessary as a discretionary expenditure rather than a requirement for maintaining health. As a result, policyholders should be aware that if they seek such services, they are likely to bear the full cost out-of-pocket.

In contrast, routine annual check-ups, emergency room visits, and preventive care services are generally included in health insurance plans. These services are considered necessary for maintaining health, preventing illness, or managing existing health conditions.

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Emergency room visits

Preventive care services

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