Maryland Life and Health Insurance License Practice Exam

What common exclusion is noted in a dental policy?

1. Orthodontics

2. Endodontics

3. Periodontics

4. Implants

The correct answer is: Endodontics

In the context of dental insurance policies, various treatments and procedures are typically covered to varying extents, but some are more frequently excluded from coverage than others. Endodontics, which involves procedures such as root canals, is often subjected to exclusions in many dental plans. This is primarily due to the complexity and cost associated with endodontic treatments, leading insurers to limit coverage for such services. On the other hand, orthodontics (related to braces and alignment), periodontics (which concern gum treatment), and dental implants are frequently included in some dental benefit plans, albeit sometimes with specific limitations. However, endodontics is often viewed as a treatment that may present higher costs and risks, prompting insurers to implement exclusions. Thus, identifying endodontics as a common exclusion reflects an understanding of the limitations frequently found within dental policy coverage.