1. |
Generally speaking, since 1990 the annual individual maximum for dental insurance has: |
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Doubled
Tripled
Quadrupled
Stayed about the same, or in some cases, decreased |
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2. |
Generally speaking, insurance premiums have increased each year by: |
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3 to 5%, similar to the CPI (Consumer Price Index)
The rate of inflation
5 to 10%
20 to 30% |
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3. |
Insurance companies are most accountable to which group of people: |
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Dentists
Stockholders
Employers
Patients |
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4. |
When questions arise that delay payment of your insurance claim, the insurance company will most often: |
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Call you immediately
Contact the dentist’s office within one week
Wait until someone calls them
Call the employer |
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5. |
In-Network dentists in a PPO (Preferred Provider Organization) are chosen by the insurance company based on the following criteria: |
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Agreement to accept a discounted fee schedule for his/her services
Continuing education requirements, reviewed by the insurance company
Length of tenure as a practicing dentist
A & B |
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| 6. |
The generosity of a dental plan is usually established by which of the following criteria: |
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Concern that each patient be treated with respect and integrity
After consulting with the licensed dentist as to the best treatment possible
The amount of dollars spent by the purchaser of the dental plan
What would produce the most aesthetically pleasing result for the patient |
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| 7. |
When a patient agrees to receive treatment based on what his/her dental plan will/will not pay for, he/she can smot often expect: |
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Pain-free dentistry that will last a lifetime
Metal fillings in molars, rather than tooth-colored restorations
One to two cleanings during a benefit period
B & C |
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| 8. |
When a dental plan has a missing tooth clause, benefits for a missing tooth are determined by the following: |
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If a tooth was extracted prior to the plan's effective date, no benefits are available
Implant or bridge, based on the patient's choice
Once every three to five years
Whatever it takes to satisfy the patient |
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| 9. |
For which dental procedures do insurance plans usually pay the lowest percentage: |
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Crowns, Bridges, dentures, implants (the most expensive procedures)
Cleanings
Exams & x-rays
Extractions |
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| 10. |
Direct Reimbursement plans have which of the following characteristics in common: |
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They are self-funded
They allow you the freedom to choose any dentist
They reimburse based on dollars spent on dental care, not based on type of treatment
All of the above |
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