Which of the following costs would a basic hospital/surgical policy likely cover?

• A. Cosmetic laser treatment for wrinkles
• B. Surgically removing a facial birthmark
• C. Routine dental cleaning
• D. Outpatient physical therapy

Answer: (B)

A basic hospital/surgical policy typically covers costs for medically necessary hospital and surgical services, not elective cosmetic procedures or routine dental care. Surgically removing a facial birthmark is a surgical procedure performed in a hospital setting and is considered a medically necessary operation to treat a condition or restore appearance, so it falls within what these policies are designed to pay for.

Cosmetic laser treatment for wrinkles is elective cosmetic work with no medical necessity, so it wouldn’t be covered. Routine dental cleaning is routine dental care, which is generally outside the scope of a hospital/surgical policy. Outpatient physical therapy isn’t typically included under a basic hospital/surgical policy unless it’s specifically tied to a covered medical treatment or surgery and would depend on the policy’s exact terms.