What typically varies according to the specific health insurance plan chosen?

The types of covered services are indeed what typically vary according to the specific health insurance plan chosen. Different plans are designed with varying coverage levels for services such as preventive care, hospitalization, emergency services, prescription drugs, and specialized treatments. Some plans may be more comprehensive, covering a broader range of services, while others may focus on essential health benefits or have exclusions based on the policy terms. Consequently, the structure of benefits is dictated by the particular health insurance plan, making it imperative for consumers to understand these distinctions when selecting coverage that meets their healthcare needs.

In contrast, while the number of doctors available may depend on the network associated with a specific plan, it is less about the plan's inherent coverage rules and more about the provider network’s reach. Age can influence premium rates or eligibility for specific plans, but it does not change the services covered. Location can affect the availability of specific plans or providers, yet it also does not alter the core types of services the policy covers. Thus, the variability in covered services is a defining characteristic of the specific health insurance policies available.