Arizona Health Insurance Practice Exam

In a basic dental indemnity plan, what type of dental procedures might be excluded?

1. Preventive care

2. Major restorative services

3. Limitations on orthodontics

4. Diagnostic services

The correct answer is: Limitations on orthodontics

In a basic dental indemnity plan, limitations on orthodontics may be excluded due to the nature of the plan, which typically covers more straightforward and essential procedures. Basic dental indemnity plans are often designed to provide coverage for preventive and diagnostic services, such as routine check-ups and cleanings, as well as some major restorative services like fillings and crowns. However, orthodontic treatments, which include services to correct misaligned teeth and jaws, are often considered more specialized and may not be included in basic plans. This makes them a common exclusion, as these services can be expensive and are sometimes viewed as less essential compared to preventive care. Thus, the potential exclusion of orthodontics aligns with the typical coverage framework of a basic dental indemnity plan.