LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A dental plan's 'basic services' category normally includes:
- ACrowns, bridges and dentures, which restore function after significant damage to the teeth
- Examinations, cleanings, fillings and extractions carried out in a general practice
- CImplants and surgical reconstruction following an accident to the mouth
- DOrthodontic treatment for dependent children under the plan's stated age limit
Correct answer: B) Examinations, cleanings, fillings and extractions carried out in a general practice
Dental plans tier their coverage, with routine and preventive work in the basic category at the highest co-insurance and the more expensive categories paid at lower rates.
Why the other options are wrong
- ACrowns, bridges and dentures fall into the major restorative category.
- CImplants and surgery sit in major services where they are covered at all.
- DOrthodontics is a separate category with its own lifetime maximum.
Exam tip
Basic is routine; major is restorative; orthodontics is separate.
Common mistake
Assuming a plan covers major work at the same rate as a cleaning.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.