Kentucky Health Insurance Practice Exam

Which of the following benefits may not typically be included in a basic health insurance policy?

1. Preventive health services

2. Payment for emergencies

3. Pharmaceutical coverage

4. Routine eye exams

The correct answer is: Routine eye exams

Basic health insurance policies often cover essential health services that are necessary for general health maintenance and emergency situations. Routine eye exams, however, are typically not included as a standard benefit in these policies. This is largely because basic health insurance is designed to cover essential medical needs rather than preventative or specialized care that may be deemed non-essential. Preventive health services, payment for emergencies, and pharmaceutical coverage are generally considered core components of health insurance policies. These benefits are integral as they address immediate and necessary health interventions. Routine eye exams, often seen as an elective or additional requirement, are commonly covered under separate vision insurance plans rather than basic health insurance policies.