AD Banker Comprehensive Practice Exam

Which of the following is NOT a common exclusion for a dental expense policy?

1. The 5-year replacement exclusion

2. The preventative care exclusion

3. The missing tooth exclusion

4. The cosmetic exclusion

The correct answer is: The preventative care exclusion

In the context of dental expense policies, the correct answer pertains to exclusions that are typically associated with dental coverage. Preventative care generally refers to services designed to prevent dental issues rather than treat them, such as cleanings and check-ups. Most dental expense policies emphasize the importance of preventative care and often cover these services fully or at a higher reimbursement rate, rather than excluding them. This means that preventative care is usually included in dental plans to encourage regular visits and early intervention. On the other hand, exclusions like the five-year replacement exclusion, missing tooth exclusion, and cosmetic exclusion are all common limitations found in dental insurance policies. These exclusions specify circumstances in which certain treatments will not be covered, focusing on limitations based on timeframe, pre-existing conditions, or elective procedures aimed at enhancing appearance rather than addressing medical necessity.