NJ HEALTH AND ACCIDENT INSURANCE
EXAM 2025 WELL RESEARCHED ACTUAL
EXAM 2 VERSIONS (VERSION A AND B)
COMPLETE ACCURATE EXAM
QUESTIONS WITH 100% DETAILED
VERIFIED AND CORRECT ANSWERS
ACTUAL BRAND-NEW EXAM ALREADY
GRADED A+
VERSION A
A dental plan that has benefits limited to specified
maximums per procedure with first dollar coverage is
considered to be
a. combined
b. nonscheduled
c. predetermined
d. scheduled
scheduled
which of the following dental expense plans covers the
removal of wisdom teeth?
a. endodontics
b. restorative
1
,c. oral surgery
d. diagnostic and preventative
oral surgery
all of the following are common exclusions in a dental
policy EXCEPT
a. replacement of lost dentures
b. cosmetic treatment such as teeth whitening
c. teeth that are knocked out in an accident
d. oral hygiene instructions and plaque control
programs are often limited or excluded
teeth that are knocked out in an accident
the ability of an individual to wait until covered by dental
insurance before seeking treatment for dental issues is an
example of
a. adverse insurance
b. improper selection
c. improper insurance
d. adverse selection
adverse selection
a root canal is an example of which of the following types
of dental treatment?
a. endodontics
b. oral surgery
2
,c. periodontics
d. restorative
endodontics
Today, most dental plans are offered through
a. HMOs
b. government insurance
c. self-insurance
d. PPOs
PPOs
a dental plan that pays on a usual, customary, and
reasonable basis (UCR) is also known as a
a. scheduled plan
b. maximum plan
c. nonscheduled plan
d. first dollar coverage plan
nonscheduled plan
all of the following statements regarding the various
levels of coverage for dental treatment are correct,
EXCEPT
a. preventative services are usually covered without
deductibles to encourage preventative dental care
b. basic services such as fillings and crowns are
covered without deductibles and coinsurance
c. diagnostic X-ray exams are limited to every 2 to 3
3
, years
d. routine exams are limited to twice a year
basic services such as fillings and crowns are covered
without deductibles and coinsurance
A written treatment plan provided to patients showing
the estimated charge for each service to be performed,
along with a breakdown or how much of the cost is
expected to be paid by the dental plan is known as a
a. predetermination of benefits
b. scheduled benefit
4
EXAM 2025 WELL RESEARCHED ACTUAL
EXAM 2 VERSIONS (VERSION A AND B)
COMPLETE ACCURATE EXAM
QUESTIONS WITH 100% DETAILED
VERIFIED AND CORRECT ANSWERS
ACTUAL BRAND-NEW EXAM ALREADY
GRADED A+
VERSION A
A dental plan that has benefits limited to specified
maximums per procedure with first dollar coverage is
considered to be
a. combined
b. nonscheduled
c. predetermined
d. scheduled
scheduled
which of the following dental expense plans covers the
removal of wisdom teeth?
a. endodontics
b. restorative
1
,c. oral surgery
d. diagnostic and preventative
oral surgery
all of the following are common exclusions in a dental
policy EXCEPT
a. replacement of lost dentures
b. cosmetic treatment such as teeth whitening
c. teeth that are knocked out in an accident
d. oral hygiene instructions and plaque control
programs are often limited or excluded
teeth that are knocked out in an accident
the ability of an individual to wait until covered by dental
insurance before seeking treatment for dental issues is an
example of
a. adverse insurance
b. improper selection
c. improper insurance
d. adverse selection
adverse selection
a root canal is an example of which of the following types
of dental treatment?
a. endodontics
b. oral surgery
2
,c. periodontics
d. restorative
endodontics
Today, most dental plans are offered through
a. HMOs
b. government insurance
c. self-insurance
d. PPOs
PPOs
a dental plan that pays on a usual, customary, and
reasonable basis (UCR) is also known as a
a. scheduled plan
b. maximum plan
c. nonscheduled plan
d. first dollar coverage plan
nonscheduled plan
all of the following statements regarding the various
levels of coverage for dental treatment are correct,
EXCEPT
a. preventative services are usually covered without
deductibles to encourage preventative dental care
b. basic services such as fillings and crowns are
covered without deductibles and coinsurance
c. diagnostic X-ray exams are limited to every 2 to 3
3
, years
d. routine exams are limited to twice a year
basic services such as fillings and crowns are covered
without deductibles and coinsurance
A written treatment plan provided to patients showing
the estimated charge for each service to be performed,
along with a breakdown or how much of the cost is
expected to be paid by the dental plan is known as a
a. predetermination of benefits
b. scheduled benefit
4
