Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which of the following services is typically EXCLUDED from coverage under a medical expense policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medical expense policies are designed to cover care that is medically necessary and requires skilled services. Custodial care, assistance with bathing, dressing, eating, and other daily activities that does not require skilled medical attention, is a standard exclusion. Policies exclude such care because it is maintenance rather than treatment of an illness or injury. This is one of the common exclusions and limitations tested in the A&H objectives.
Why the other options are wrong
- B) Emergency room treatment of a heart attack is medically necessary care and is covered under medical expense policies.
- C) Medically necessary surgery is the core purpose of medical expense coverage and is not excluded.
- D) Prescribed physical therapy following an accident is medically necessary treatment and is covered.
Memory hook
Skilled care = covered; help with daily living = excluded. Custodial care is maintenance, not medicine.