Final answer:
Dental plan benefits are often categorized into preventative care, basic procedures, and major procedures, with cost-sharing mechanisms such as deductibles, copayments, and coinsurance to encourage financial participation by the insured.
Step-by-step explanation:
Dental plan benefits are typically grouped into categories that reflect the type of coverage provided. These can include preventative care, such as routine cleanings and exams; basic procedures, like fillings and extractions; and major procedures, such as crowns, bridges, and orthodontic treatments. While dental plans can vary, most have a form of cost-sharing between the insurance provider and the individual, which could be in the form of deductibles, copayments, or coinsurance. These features are designed to split the cost of dental services, reducing the moral hazard and encouraging individuals to participate financially in their healthcare. Particularly in the U.S., these aspects form an essential part of both public healthcare (government-funded) and private healthcare (privately funded).