Which of the following is typically covered by health insurance?

Preventive care is typically covered by health insurance because it focuses on preventing illnesses and maintaining overall health, rather than treating conditions after they occur. This includes services like vaccinations, screenings, and annual check-ups, which are essential for early detection of potential health issues. Insurance providers recognize the long-term cost savings and health benefits of preventive care and often incentivize individuals to engage in these services as part of their health coverage.

While cosmetic surgery, alternative therapies, and nonprescription medications might be beneficial in certain contexts, they generally do not fall under standard health insurance coverage. Cosmetic surgery is usually considered elective and more about personal choice than medical necessity, while alternative therapies may not have widespread acceptance among traditional medical practices. Nonprescription medications are typically expected to be purchased out-of-pocket unless specified by a health plan, as they are readily available without a prescription and are not classified as essential medical treatments.