Fundamentos de Accidente y SaludPregunta 506 de 716
Dental insurance plans commonly organize covered services into categories of:
a.Accident and sickness, each with its own separate annual deductible and yearly maximum
b.Preventive, basic, and major services, sometimes with separate deductibles and annual maximums
c.Skilled and custodial care, the two levels the plan uses to set its annual benefit maximum
d.Inpatient and outpatient care, with a separate deductible and coinsurance percentage applied to each setting
Explicación
Dental plans typically classify services as preventive (cleanings and exams, often covered at or near 100 percent), basic (fillings and simple extractions), and major (crowns, bridges, and dentures), frequently applying deductibles and an annual dollar maximum. Inpatient and outpatient, accident and sickness, and skilled and custodial are classifications used in other kinds of coverage, not dental. Knowing the preventive-basic-major structure helps explain why dental plans emphasize low-cost preventive care.
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Preguntas relacionadas de este tema
- An accident-only policy covers:
- A specified (dread) disease policy pays benefits:
- An Accidental Death and Dismemberment (AD&D) policy pays:
- A future increase option (guaranteed insurability) rider on a DI policy lets the insured:
- An accident-only policy will NOT pay benefits for:
- A dread disease (critical illness) policy pays:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)