NOT a common exclusion for a medical expense policy?

NOT a common exclusion for a medical expense policy?

• A. Physical Therapy
• B. Cosmetic surgery
• C. Experimental procedures
• D. Dental care

Answer: (A)

A medical expense policy generally covers services that are medically necessary for treating illness or injury, with exclusions aimed at elective or unproven treatments. Physical therapy fits as a rehabilitative, medically recognized service and is typically covered, sometimes with reasonable limits and requirements like preauthorization. The other items are commonly excluded: cosmetic surgery is elective and not medically necessary; experimental procedures lack established effectiveness and are usually not covered; dental care is often outside the realm of medical expense policies and covered instead under separate dental plans. So physical therapy is the one not commonly excluded.

A medical expense policy generally covers services that are medically necessary for treating illness or injury, with exclusions aimed at elective or unproven treatments. Physical therapy fits as a rehabilitative, medically recognized service and is typically covered, sometimes with reasonable limits and requirements like preauthorization. The other items are commonly excluded: cosmetic surgery is elective and not medically necessary; experimental procedures lack established effectiveness and are usually not covered; dental care is often outside the realm of medical expense policies and covered instead under separate dental plans. So physical therapy is the one not commonly excluded.