What services are typically not covered by health insurance purchased through the Maryland Health Connection?

• A. Primary care visits
• B. Preventive care screenings
• C. Cosmetic surgeries and certain experimental treatments
• D. Emergency room visits

Answer: (C)

Health insurance plans purchased through the Maryland Health Connection generally include essential health benefits, such as primary care visits, preventive care screenings, and emergency room visits. However, certain services like cosmetic surgeries and experimental treatments are typically excluded from coverage. This exclusion exists because cosmetic procedures are often deemed not medically necessary and are primarily for aesthetic purposes, while experimental treatments might not have established effectiveness or could be considered too risky for widespread insurance backing. This makes cosmetic surgeries and certain experimental treatments non-essential services under health insurance policies, justifying their lack of coverage.