Question

Which of the following statements concerning the types of dental insurance plans is (are) correct?

I. Most scheduled plans contain deductibles and coinsurance.
II. Non-scheduled plans may actually contain a schedule of covered dental services.

Answer 1

Scheduled plans usually have deductibles and coinsurance, while non-scheduled plans may have a schedule of covered dental services.

Step-by-step explanation:

In dental insurance plans, there are two types: scheduled plans and non-scheduled plans.

I. Scheduled plans usually have deductibles and coinsurance. A deductible is the amount that the policyholder must pay out-of-pocket before the insurance company covers the remaining costs. Coinsurance is when the policyholder pays a percentage of the costs, while the insurance company covers the rest.

II. Non-scheduled plans may actually contain a schedule of covered dental services. This means that the insurance plan lists specific services that are covered, rather than covering a percentage of the costs like in scheduled plans.