[SVL] Insurance 19

Which of the following dental expense plan approval of wisdom teeth?
A. Diagnostic improvising.
B. Oral surgery.
C. Restorative.
D. Endodontics

A dental plan that has benefits limited to specified maximums per procedure with first dollar coverage is considered to be
A. predetermined
B. nonscheduled
C. combined
D. scheduled

All of the following are common exclusions in a dental policy EXCEPT
A. teeth that are knocked out in an accident
B. cosmetic treatment such as teeth whitening
C. oral hygiene instructions and plaque control programs are often limited or excluded
D. replacement of lost dentures

The ability of an individual to wait until covered by dental insurance before seeking treatment for dental issues is an example of
A. improper insurance
B. adverse selection
C. adverse insurance
D. improper selection

A root canal is an example of which of the following types of dental treatment?
A. Oral surgery
B. Restorative
C. Periodontics
D. Endodontics

Today, most dental plans are offered through
A. PPOs
B. self-insurance
C. government insurance
D. HMOS

A dental plan that pays on a usual, customary, and reasonable basis (UCR) is also known as a
A. first dollar coverage plan
B. maximum plan
C. scheduled plan
D. nonscheduled plan

All of the following statements regarding deductibles apply to various levels of dental treatment EXCEPT
A. diagnostic X-ray exams are limited to every 2 or 3 years
B. preventative services are usually covered without deductibles to encourage preventative dental care
C. routine exams are limited to twice a year
D. basic services such as fillings and crowns are covered without deductibles and coinsurance

A written treatment plan provided to patients showing the estimated charge for each service to be performed, along with a breakdown or how much of the cost is expected to be paid by the dental plan is known as a
A. nonscheduled benefit
B. scheduled benefit
C. predetermination of benefits
D. combination plan

All of the following statements regarding group dental expense plans are correct EXCEPT
A. most dental expense coverage is offered as a stand-alone supplement
B. with a group plan that integrates a comprehensive plan and a dental plan, the dental plan will not have a separate deductible
C. most dental expense coverage is integrated into a comprehensive health plan
D. a stand-alone supplement has its own deductible and coinsurance requirements

Fillings, crowns, and restoring teeth that have been damaged by tooth decay is an example of
A. diagnostic and preventative dental treatment
B. restorative dental treatment
C. endodontics
D. oral surgery

All of the following are examples of major dental services EXCEPT
A. local anesthesia
B. oral surgery
C. root canals
D. orthodontia