What type of benefits are not typically covered by health insurance plans?

Health insurance plans typically exclude coverage for cosmetic procedures and elective surgeries that are not deemed medically necessary. This is because such procedures are often considered enhancements rather than essential treatments for health conditions. Insurers focus on providing coverage for services that are necessary to maintain or improve health, which means that anything viewed as non-essential or primarily for cosmetic reasons falls outside standard coverage.

In contrast, emergency room visits, routine check-ups, and prescription medications are generally essential elements of health care that health insurance does cover. Emergency services address immediate health risks and injuries, routine check-ups help monitor overall health and prevent illness, and prescription medications are crucial for treating various medical conditions.