Final answer:
A Major Medical Expense policy usually covers emergency surgery but may exclude custodial care, cosmetic surgery, and coverage under workers' compensation. Understanding terms like deductible, fee-for-service, and HMO is crucial when evaluating what an insurance policy covers.
Step-by-step explanation:
The subject in question relates to what is typically covered and excluded from a Major Medical Expense policy. In most cases, a Major Medical Expense policy will cover a wide range of medical care services, including emergency procedures like emergency surgery. However, there are certain types of services and situations that are commonly excluded from coverage.
When discussing insurance policies, it's important to understand terms such as deductible, which is the amount payable out of pocket by the policyholder before the insurance coverage starts paying. The term fee-for-service refers to a payment structure where health care providers are compensated for each service they perform.