Sec 21 Dental Answer英文文献资料.pdf

Page 1 of 10 QBank Printable Exam Answers Only - 21 Question 1 - #201783 The correct answer was - A: If an insured decides to obtain treatment from a dentist who does not participate in the panel, he usually can receive the same care for the same costs. Explanation: If an insured obtains treatment from a dentist who does not participate in the PPO panel, the insurer will usually require the insured to pay a greater portion of the cost. In general, an insured will pay more for treatment from a dentist who is not part of the panel. Reference: 21.3 in the License Exam Manual. Question 2 - #201819 The correct answer was - D: provides payments on loans that become due while the debtor is disabled. Explanation: Credit health insurance and credit life insurance cover debtors of a creditor in connection with a specific loan or other credit transaction. Credit health insurance provides payments on loans that become due while the debtor is disabled while credit life insurance covers the life of a debtor. Reference: 21.5 in the License Exam Manual. Question 3 - #201807 The correct answer was - B: Her family has a history of cancer, and she is concerned that she might contract the disease. Explanation: Dread disease policies provide benefits only if the insured contracts the specific disease listed in the policy. It does not provide comprehensive coverage, nor does it cover multiple diseases. A person cannot obtain coverage if he is already diagnosed with the disease. Reference: 21.4.1 in the License Exam Manual. Question 4 - #201791 The correct answer was - A: indemnity plan. Explanation: Most commonly provided by commercial insurance companies, indemnity plans operate much like major medical