Which type of dental policy typically pays a portion of the usual and customary charges for covered procedures?

Which type of dental policy typically pays a portion of the usual and customary charges for covered procedures?

• A. Comprehensive (non-scheduled)
• B. Scheduled Dental Plans
• C. Basic Dental Plans
• D. Major Dental Coverage

Answer: (A)

A comprehensive (non-scheduled) dental policy is designed to provide broader coverage for dental services. This type of policy typically pays a portion of the usual and customary charges for various procedures, which means it covers a wide range of dental care, from preventive services like check-ups and cleanings to more extensive treatments such as fillings and root canals, often at a percentage of the total cost. The flexibility of a comprehensive policy allows insured individuals to select any dentist, as opposed to scheduled plans that offer more limited benefits and may require the use of specific providers. This characteristic makes comprehensive policies particularly appealing, as they are designed to accommodate different treatment needs and preferences, reflecting a more inclusive approach to dental care.

A comprehensive (non-scheduled) dental policy is designed to provide broader coverage for dental services. This type of policy typically pays a portion of the usual and customary charges for various procedures, which means it covers a wide range of dental care, from preventive services like check-ups and cleanings to more extensive treatments such as fillings and root canals, often at a percentage of the total cost.

The flexibility of a comprehensive policy allows insured individuals to select any dentist, as opposed to scheduled plans that offer more limited benefits and may require the use of specific providers. This characteristic makes comprehensive policies particularly appealing, as they are designed to accommodate different treatment needs and preferences, reflecting a more inclusive approach to dental care.