Final answer:
Cosmetic services necessary as a result of an injury are typically not excluded in dental expense benefit plans as they are meant to restore the person's appearance and function. Exclusions often include lost appliances, oral hygiene instruction, and preexisting conditions. The correct option is 4.
Step-by-step explanation:
The question asks us to identify which of the following is not an exclusion in a dental expense benefit plan. The options are (1) the replacement of lost appliances, (2) oral hygiene instruction, (3) treatment for preexisting conditions, and (4) cosmetic services necessary as a result of an injury. In most dental expense benefit plans, cosmetic services that are necessary due to an injury are often covered, as their goal is to restore the appearance and function that was affected by the injury. Therefore, this would not typically be an exclusion. The typical exclusions often include the replacement of lost appliances, oral hygiene instruction, and treatment for conditions that exist before the insurance coverage begins.
In a dental expense benefit plan, the replacement of lost appliances, oral hygiene instruction, and treatment for preexisting conditions are typically covered. The exclusion in a dental expense benefit plan is cosmetic services necessary as a result of an injury.