Which item is not typically covered under Basic Medical Expense plans?

• A. Hospital room and board
• B. Surgical procedures
• C. Cosmetic surgery
• D. Diagnostic tests

Answer: (C)

Cosmetic surgery is not typically covered under basic medical expense plans because these plans focus on medically necessary services that diagnose, treat, or prevent illness or injury. Hospital room and board represent inpatient care costs that are essential to treatment. Surgical procedures are covered when they address a medical condition or need, not elective cosmetic work. Diagnostic tests are included because they are essential tools for correctly diagnosing and guiding treatment. Cosmetic surgery, performed mainly for appearance rather than health, falls outside the standard scope of essential medical coverage, though some plans or riders may cover reconstructive procedures if there’s a medical justification.