Which of the following is a mandatory benefit that must be offered by health insurers in North Carolina?

Emergency services coverage is a mandatory benefit that must be offered by health insurers in North Carolina. This requirement ensures that individuals have access to essential care in the case of emergencies, such as severe injuries or acute medical conditions that require immediate attention. By mandating this coverage, the state aims to protect consumers and promote their health and safety, allowing them to receive necessary medical treatment without the burden of exorbitant costs.

The other options do not qualify as mandatory benefits. Cosmetic surgery coverage, luxury hospital accommodations, and non-emergency transportation services are not required under North Carolina's insurance mandates. These services might be offered by some insurers, but they are not guaranteed benefits, reflecting a more discretionary approach to what insurance companies can include in their plans. The focus on mandatory benefits like emergency services underscores the priority of ensuring essential healthcare access for all insured individuals.