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3 votes
Common exclusions in health insurance include all of the following EXCEPT

A) cosmetic surgery to repair a cleft palate
B) workers' compensation
C) elective cosmetic surgery
D) intentionally self-inflicted injuries

User NcXNaV
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8.0k points

1 Answer

7 votes

Final answer:

Common exclusions in health insurance include elective cosmetic surgery, workers' compensation, and intentionally self-inflicted injuries but typically do not include necessary reconstructive procedures like cosmetic surgery to repair a cleft palate.

Step-by-step explanation:

The common exclusions in health insurance typically encompass a range of services that are not covered by insurance policies due to various reasons. Exclusions often include elective cosmetic surgery, workers' compensation, and intentionally self-inflicted injuries. These are excluded to discourage moral hazard and unnecessary medical expenses. However, cosmetic surgery to repair a cleft palate is generally not an exclusion since it is considered reconstructive and medically necessary. This type of surgery is often covered by health insurance policies as it addresses a medical issue that can affect the individual's ability to eat, speak, and maintain oral health.

User Sona
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8.6k points
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