Under a medical expense policy, which of the following is typically covered?

Outpatient surgery is typically covered under a medical expense policy because such policies are designed to help with the costs associated with medical procedures and treatments that are necessary for the diagnosis, treatment, or prevention of illness or injury. Outpatient surgeries often fall under treatment that physicians deem medically necessary, which aligns with the purpose of medical expense coverage.

In contrast, routine dental check-ups and vision corrections, while often part of overall healthcare, are generally categorized under separate dental or vision insurance plans. These services are often not included in standard medical expense policies, as they are preventive or elective rather than treatment-oriented.

Cosmetic procedures typically do not fall under medical expense policies as they are usually considered elective surgeries, not medically necessary treatments. Consequently, they are generally excluded from coverage unless they are performed as part of a medical treatment for a covered condition or injury.