What is typically NOT covered by health insurance policies in Indiana?

In Indiana, as well as in many other states, health insurance policies typically exclude coverage for cosmetic surgery that is performed solely for aesthetic reasons. This is because such procedures do not usually qualify as medically necessary; they are not aimed at treating a medical condition or improving a person's health. Instead, they are intended to enhance or change an individual's appearance without any underlying health concerns.

Other types of services, such as emergency medical services, preventive care, and prescription medications, are generally covered by health insurance policies as they serve to maintain health, prevent disease, or provide necessary medical treatment. Preventive care might include vaccinations and screenings that help identify health issues early. Emergency medical services are crucial for treating urgent health problems, and coverage for prescription medications helps manage ongoing health conditions. However, cosmetic procedures that lack medical necessity fall outside the realm of what health insurance aims to cover.