Major medical plans typically exclude coverage for which of the following benefits?

Major medical plans are designed to cover a range of healthcare expenses, typically focusing on significant medical events. While they often provide comprehensive coverage, they usually do not cover custodial care.

Custodial care refers to assistance with daily living activities, such as bathing, dressing, and eating, which is often needed by individuals with chronic illnesses or disabilities. This type of care is generally not classified as medically necessary treatment, which is a key criterion for what major medical plans cover. Instead, custodial care is seen as supportive rather than curative, falling outside the scope of most major medical insurance policies.

In contrast, preventive care, emergency care, and surgical care are usually covered by major medical insurance as they are considered essential to managing health and treating illnesses or injuries. Preventive care aims to avoid health issues, emergency care addresses acute medical needs, and surgical care often involves procedures necessary for diagnosis or treatment of medical problems.

Thus, the exclusion of custodial care from major medical plans aligns with the intention of these plans to focus on serious health issues and treatments rather than long-term personal assistance.