Arizona Health Insurance Practice Exam

What is a major treatment covered in an indemnity dental plan?

1. Root canals

2. Braces

3. Fillings

4. Dentures

The correct answer is: Dentures

In an indemnity dental plan, the primary characteristic is the flexibility it offers in choosing dental care providers and treatments without a network restriction. One major treatment that is typically covered in such plans is dentures. Dentures often fall under major restorative services, which are more likely to be included in the coverage of an indemnity plan. Indemnity plans often categorize dental services into three levels: preventive, basic, and major. While preventive services (such as cleanings and exams) and basic services (like fillings and some types of extractions) may have different coverage limits, major services, which include treatments like dentures, are critical and usually come with higher coverage limits. Root canals, braces, and fillings may not always be included at the same level of coverage as dentures, particularly because root canals are considered endodontic treatment, braces are orthodontic services often excluded from many plans, and fillings could be categorized as basic services subject to different limits. Thus, dentures are a key offering under an indemnity dental plan, representing significant restorative treatment that is well-covered.