PSI Ohio Insurance Practice Exam

What is typically true for most comprehensive dental policies?

1. All procedures require coinsurance and deductibles.

2. Emergency dental care is excluded from coverage.

3. Routine care is provided without coinsurance or deductibles.

4. Specialist visits are limited only to urgent cases.

The correct answer is: Routine care is provided without coinsurance or deductibles.

Most comprehensive dental policies are designed to offer a broad range of services while managing costs for both the insurer and the insured. The correct answer highlights the importance of preventive care within these policies. Typically, comprehensive dental plans emphasize the value of routine care by providing it without coinsurance or deductibles. This means that services such as regular check-ups and cleanings are fully covered, encouraging individuals to seek preventive care regularly. This helps in maintaining dental health and prevents more costly procedures down the road by addressing issues before they escalate. Emergency dental care is often included in many policies, rather than excluded, to ensure patients have access to necessary treatments when needed. While many policies do have coinsurances and deductibles, they often strategically plan to remove them for routine care to promote regular visits to the dentist. Additionally, specialist visits may not necessarily be limited to urgent cases; many comprehensive dental plans allow for access to specialists as deemed necessary for ongoing care. Thus, the choice that routine care is provided without coinsurance or deductibles is correct and reflects the goals of comprehensive dental insurance in promoting long-term dental health.