Massachusetts Health & Accident Insurance Practice Exam

Which type of care typically does NOT have a dollar per service schedule?

1. Routine checkups

2. Orthodontia

3. Oral surgery

4. Preventive care services

The correct answer is: Preventive care services

Preventive care services typically do not operate under a dollar per service schedule because they are often covered by health insurance plans without specific cost limitations attached to each individual service. Instead, preventive care is usually defined by a set of guidelines and can include services such as vaccinations, screening tests, and annual physical examinations. These services are aimed at preventing illnesses or detecting conditions early when they are more treatable, so insurers often cover them fully or with minimal out-of-pocket costs to encourage individuals to engage in regular preventive health measures. In contrast, routine checkups and more specialized services like orthodontia and oral surgery can involve set fee structures that may designate specific dollar amounts per service rendered. This allows healthcare providers to bill patients or insurers in a more structured manner for those services.