Ohio Insurance Laws and Regulations Practice Exam

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Under what circumstance will a hospital or medical expense policy typically cover dental treatment expenses?

  1. Routine check-ups

  2. Cosmetic surgery

  3. Repairing an injury

  4. Teeth whitening

The correct answer is: Repairing an injury

Typically, a hospital or medical expense policy will only cover dental treatment expenses if it is related to repairing an injury. This is because dental treatment is often considered a separate and specialized type of healthcare, and routine check-ups, cosmetic surgery, and teeth whitening are not considered medically necessary unless they are due to an injury. Therefore, these options are incorrect as they do not meet the criteria for coverage under a hospital or medical expense policy.

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