What type of surgery is typically excluded from health coverage in Indiana?

Cosmetic surgery for purely aesthetic reasons is typically excluded from health coverage in Indiana. This exclusion is based on the understanding that such procedures do not address a medical necessity; they are performed solely for the enhancement of appearance rather than to treat a medical condition or improve health. Insurance policies are designed to cover medically necessary treatments that are aimed at restoring health or functionality, which is why surgeries that do not have a medical basis are not included.

In the context of health insurance, "medically necessary" surgery often relates to procedures that are required to diagnose, treat, or prevent a health issue. Emergency surgeries, necessary reconstructive surgeries, and preventive surgeries can all fall under categories that insurers deem necessary for maintaining or improving a patient’s health, thus making them more likely to be covered. This distinction reinforces the policy of excluding purely aesthetic procedures from coverage, as they do not contribute to the patient's medical health or well-being.