Tennessee Insurance Practice Exam

Which of the following costs would a Basic Hospital/Surgical policy likely cover?

1. Surgically removing a facial birthmark

2. Cosmetic dental procedures

3. Routine eye exams

4. Over-the-counter medications

The correct answer is: Surgically removing a facial birthmark

A Basic Hospital/Surgical policy is designed to cover essential and necessary medical services, particularly those related to hospital care and surgical procedures. The primary goal of this type of insurance is to address significant health issues that require surgical intervention or hospital stays. Surgically removing a facial birthmark is likely covered because this procedure can be deemed medically necessary, especially if the birthmark poses health risks or causes significant psychological distress. Coverage for surgical procedures typically includes those that address health concerns rather than those done for purely cosmetic reasons. Conversely, procedures such as cosmetic dental work generally focus on aesthetics rather than medical necessities, which is outside the typical coverage of a Basic Hospital/Surgical policy. Routine eye exams are also not usually included as they fall under preventive care rather than surgical or hospital services. Over-the-counter medications do not typically qualify for coverage as they are not classified under surgical or hospitalization needs. Thus, the focus of Basic Hospital/Surgical policies on necessary medical procedures makes surgically removing a facial birthmark the most appropriate choice.