What kind of services are typically excluded from most health insurance plans?

Health insurance plans often have specific exclusions, and one common category of services that are typically excluded is experimental procedures. These are treatments or interventions that have not been proven effective or are still in clinical trial phases. Insurers tend to exclude these services because they may involve significant financial risk and uncertainty regarding their efficacy.

Preventative care services, on the other hand, are often covered because they help prevent serious health issues and reduce long-term medical costs. Emergency room visits and consultations with specialists are generally included in most plans, as they are critical components of necessary healthcare. Therefore, the exclusion of experimental procedures reflects an emphasis on ensuring that covered services are well-established and widely accepted within the medical community.