Hospital outpatient expenses typically covered by insurance include services like diagnostic tests (e.g., X-rays, blood tests), emergency room visits, surgical procedures not requiring an overnight stay, and specialist consultations. Outpatient therapy services such as physical, occupational, and speech therapy are also commonly covered. Additionally, preventative services and treatments like vaccinations and screenings that occur in a hospital setting without admission are usually covered under outpatient benefits. Always check specific insurance policies for detailed coverage as it can vary widely. I worked in Medical Billing Services for some time so I know a little bit about this niche.