Final answer:
Comprehensive major medical health policies usually cover a broad range of services but do not cover cosmetic surgery unless medically necessary. They also include deductibles, co-insurance, and co-payments.
Step-by-step explanation:
Comprehensive major medical health policies typically cover a wide range of medical services, but they do not usually cover cosmetic surgery, unless it is deemed medically necessary. This means the correct answer to the question is C. Cosmetic surgery.
Policies cover a variety of healthcare costs, including prescription drugs, preventive care, and emergency room visits. These policies often have a deductible, which is a specified amount the policyholder must pay out-of-pocket before insurance coverage begins. In addition to the deductible, there may also be co-insurance or co-payment requirements. Co-insurance is a scenario where the insured pays a certain percentage of the medical costs while the insurer covers the remaining percentage. A co-payment is a fixed fee the insured pays for specific services, like office or emergency room visits.