Which of the following is a common limitation in dental insurance plans?

In dental insurance plans, it is common to encounter limitations such as a specific dollar amount per procedure. This means that the insurance plan may set a cap on how much it will reimburse an insured individual for a particular dental service. For instance, if a dental procedure costs more than the predetermined limit set by the insurance provider, the patient would be responsible for paying the difference. This approach helps insurance companies manage costs and potentially keeps premiums more affordable for policyholders.

Preventive care being fully covered is typical for many plans to encourage regular dental visits, while procedures such as orthodontics often have limitations or exclusions. Coverage for all procedures regardless of necessity is not a standard practice, as most plans will not pay for unnecessary treatments, reinforcing the need for procedures to be deemed medically necessary before coverage applies.