Arizona Health Insurance Practice Exam

Which limiting factor is NOT commonly associated with dental insurance?

1. Annual deductible

2. Limit placed on the number of teeth treated annually

3. Waiting periods for specific treatments

4. Coverage for preventive services only

The correct answer is: Limit placed on the number of teeth treated annually

The factor that is not commonly associated with dental insurance is the limit placed on the number of teeth treated annually. Most dental insurance plans focus on annual maximums, which refer to the total amount that the insurance will pay for all treatments within a year, rather than placing a specific limit on the number of teeth that can be treated. In dental coverage, it's typical to find provisions such as annual deductibles, which require policyholders to pay some out-of-pocket costs before insurance kicks in, and waiting periods for specific treatments that delay coverage for necessary procedures until after a certain time frame. Additionally, many dental plans do offer coverage heavily focused on preventive services, ensuring routine check-ups and cleanings are covered to encourage regular dental care. However, imposing limits on the number of teeth that can be treated in a year is not a common practice in dental insurance policies.