While major medical plans do provide more comprehensive coverage than basic plans, there are certain types of expenditures that do not qualify under either plan. While specifics differ depending on your insurance company and the type of policy you have; many major medical plans tend to not cover such specific as: cosmetic surgery, preventive dental care, preventive vision care, convalescent care, and expenses related to an injury or illness resulting from your job as these are normally covered under worker’s compensation insurance.

Also, if your medical expenses are eligible for coverage under another plan, such as Medicare or as part of your VA benefits, this may also affect the specific conditions covered by your major medical plan.