A comprehensive major medical health insurance policy contains an Eligible Expenses provision. Which of the following is typically NOT covered?

In a comprehensive major medical health insurance policy, the Eligible Expenses provision outlines the types of medical services and treatments that are covered. Typically, experimental and investigative services are not included under this provision. This is because these services often lack sufficient clinical evidence of their efficacy, safety, and necessity for patient care. Such treatments may not have received regulatory approval or established medical guidelines that indicate they are standard practice in the healthcare field.

On the other hand, emergency services, laboratory services, and preventative care are generally recognized as essential components of healthcare that contribute to the diagnosis, treatment, and overall wellness of patients. Insurance policies are designed to provide coverage for these types of services because they are well established in clinical practice and have demonstrated benefits to patient outcomes.