Bariatric surgery
Cosmetic surgery
Acupuncture
Dental care (Adult)
Hearing aids
Infertility treatment
Long-term care
Non-emergency care when traveling outside the U.S.
Private-duty nursing
Routine eye care (Adult)
Routine foot care - except as covered for certain diseases
Weight loss programs ( recent advances in weight loss drugs are challenging this )
Abortion - (except in cases of rape, incest, or when the life of the mother is endangered)
Eye and dental care along with long term care are covered under separate policies written just for them. For example Dental Insurance or Vision Insurance.
Coverage Beyond the Standard Policy: Specialized Insurance Options
It is important for policyholders to recognize that the scope of a standard health insurance plan, such as a major medical policy, typically has limitations regarding certain types of care. Specifically, services related to eye health, dental maintenance, and long-term supportive care are generally not included within the primary coverage framework.
These essential yet specialized healthcare needs require separate, dedicated insurance products designed to manage their specific risks and costs. For instance:
Dental Insurance: This specialized policy is designed to cover a range of services from preventative care (like cleanings and routine check-ups) to restorative procedures (such as fillings, crowns, and root canals), and sometimes orthodontics.
Vision Insurance (or Eye Insurance): This coverage helps manage the costs associated with routine eye examinations, prescription eyewear (glasses or contact lenses), and often provides benefits toward corrective surgery, such as LASIK.
Long-Term Care (LTC) Insurance: This type of policy is structured to provide financial support for chronic illnesses or disabilities that require ongoing assistance with daily living activities over an extended period. This can include services received at home, in an assisted living facility, or in a nursing home.
These separate policies are written and underwritten distinctly from general health insurance because they address different actuarial risks and service models. Therefore, individuals seeking comprehensive protection must secure these specialized policies—like Dental Insurance or Vision Insurance—in addition to their standard health coverage.