California Life and Health Insurance Practice Exam 2026 – Complete Test Prep

Cosmetic surgery is typically not covered under a health insurance policy because it is often considered elective rather than medically necessary. Most health insurance plans are designed to cover services that are deemed essential for the diagnosis, treatment, or prevention of health conditions. Cosmetic procedures are generally aimed at improving appearance rather than addressing a medical issue, which is why they do not qualify for coverage.

In contrast, emergency medical services, preventive care, and prescription drugs are usually included in health insurance policies. Emergency medical services are critical for treating urgent health issues, preventive care is essential for maintaining health and preventing disease, and prescription drugs are often necessary for managing ongoing medical conditions. These types of services align with the core purpose of health insurance, which is to help cover the costs associated with necessary medical care.