South Carolina Insurance Practice Exam

What is typically covered under a basic health insurance policy?

1. Routine dental care

2. Preventive care services

3. Cosmetic surgeries

4. Experimental treatments

The correct answer is: Preventive care services

Basic health insurance policies generally cover essential health care services, which typically include preventive care services. Preventive care is aimed at preventing illnesses and detecting health issues early before they develop into more serious problems. This can include vaccinations, screenings, physical exams, and counseling for healthy lifestyles. These services are critical because they reduce the risk of more significant health issues down the line, both improving health outcomes for individuals and reducing overall healthcare costs. Insurance policies often emphasize preventive care as a key aspect of maintaining overall health. In contrast, routine dental care, cosmetic surgeries, and experimental treatments are not typically covered under basic health insurance. Routine dental care usually requires a separate dental insurance policy, while cosmetic surgeries are often considered elective and not necessary for medical health, thus falling outside the scope of basic health insurance coverage. Experimental treatments may lack proven effectiveness and are usually not included in standard policies either.