Which Health Insurance Covers Everything? 
Health insurance will cover just about everything that is medically necessary . If you 're looking for coverage for elective procedures -LRB- e.g. cosmetic surgeries that are n't medically necessary -RRB- , you would be paying 100 % of those expenses . In short , once you hit your annual out-of-pocket maximum , any additional care given for the rest of the year would be covered at 100 % . Until that point , you would be responsible for paying your deductible and any coinsurance or copayments for services provided by healthcare professionals -LRB- your doctors , nurses , surgeons , etc. -RRB- . 