Final answer:
Hospital or medical expense policies usually cover dental treatments related to accidents. Cosmetic, preventive, or orthodontic services often require separate coverage or may not be covered.
Step-by-step explanation:
Typically, a hospital or medical expense policy will cover dental treatment expenses under specific circumstances. The most common instance when these policies will pay out for dental treatment is when the treatment is related to an accident. This is because the treatment is deemed medically necessary due to the result of an unforeseen event causing injury.
Other dental treatments, such as those for cosmetic purposes, preventive care, or orthodontic purposes, are generally not covered unless these services are specifically included in the policy. In some cases, separate dental insurance may be purchased to cover such treatments. Additionally, insurance plans often have a deductible, co-payment, or coinsurance, which means that the policyholder may pay a portion of dental care costs out-of-pocket before the insurance benefits apply.A hospital or medical expense policy typically covers dental treatment expenses if the treatment is necessary due to an accident. Preventive, cosmetic, or orthodontic dental services are usually not covered unless explicitly included in the policy.