AD Banker Comprehensive Practice Exam

Comprehensive dental plans usually provide:

1. Non-routine dental care without any regard to deductibles or coinsurances

2. Routine dental care services without deductibles or coinsurance

3. Routine care without deductibles, but subject to coinsurance

4. Routine care such as preventative care is provided after satisfying a required deductible

The correct answer is: Routine dental care services without deductibles or coinsurance

Comprehensive dental plans are designed to cover a broad range of dental services, with a focus on preventive and routine care. Routine dental care typically includes services like cleanings, exams, and X-rays, which are essential for maintaining oral health. The correct answer highlights that these plans often allow recipients to access routine dental care without the burden of deductibles or coinsurance. This means that policyholders can utilize these preventive services freely, which encourages regular visits to the dentist and helps to prevent more serious and costly dental issues in the future. By removing financial barriers for basic services, comprehensive dental plans promote better overall dental health among their members. While other options mention aspects of coverage, they incorporate elements like deductibles or coinsurance for routine care, which is not the standard for comprehensive dental plans that aim to facilitate accessible oral healthcare. This difference in policy structure is what distinguishes comprehensive plans from other types of dental insurance or limited plans that may not prioritize preventive care in the same way.