What Types Of Items Does Health Insurance Not Cover? 
To be specific about what health insurance does not cover , you would have to check your plan 's policy 's exclusions & limitations . However , if you 're asking a general question , I think the key term here is `` medically necessary '' . If your provider bills a service as medically necessary , then it would generally be covered . From a common sense standpoint , why would an insurance company cover something that 's not medically necessary . A good example of something that 's not medically necessary is cosmetic surgery . 