What is not typically a covered service in Indiana group health policies?

In the context of Indiana group health policies, experimental treatments are generally not covered services. This is because such treatments may not have established efficacy or safety profiles recognized by regulatory bodies, and are often still under investigation or clinical trial statuses. Insurers commonly limit coverage to established medical practices and services that have a proven record of effectiveness.

In contrast, emergency room visits, routine wellness check-ups, and inpatient care are usually included in health policy coverage basics, as they are recognized as essential healthcare services that address immediate medical needs, preventive care, and necessary treatments requiring hospitalization. These types of services fall within the standard framework of group health insurance benefits aimed at providing comprehensive care to policyholders.