HOSA Dental Terminology Practice

What is meant by a deductible in dental insurance?

1. The amount the dentist charges for services

2. The total amount of insurance coverage

3. The dental expense the beneficiary must pay before insurance kicks in

4. The premium paid for dental insurance each year

The correct answer is: The dental expense the beneficiary must pay before insurance kicks in

A deductible in dental insurance refers to the specific amount of money that an insured individual must pay out-of-pocket for dental services before their insurance provider begins to cover the remaining costs. This means that if a dental procedure costs a certain amount, the beneficiary is responsible for paying the deductible first; only after that will the insurance plan contribute to expenses related to further treatment. Understanding this concept is crucial for beneficiaries as it influences their overall healthcare costs and financial planning when it comes to dental care. The other options do not accurately define what a deductible is; for example, the charges from the dentist are simply the fees for services, not related to the insurance coverage structure. Additionally, the total amount of insurance coverage refers to the maximum benefits the plan will pay rather than the beneficiary's financial responsibility. Lastly, the premium is the regular payment made to maintain the insurance policy but does not address the out-of-pocket expenses incurred before insurance contributes to costs.