Bob has a basic health insurance policy. He has a covered accident in which he suffers an injury to his mouth that requires dental treatment. Which of the following is true?

• A. Dental expenses will be paid after the first $500
• B. Dental expenses will not be paid
• C. Dental expenses will be paid after the first $100
• D. Dental expenses will be paid

Answer: (D)

A basic health insurance policy usually covers injuries to the mouth that result from an accident as part of its accident-related medical benefits. When dental treatment is needed because of an accidental injury, those dental expenses are paid under the policy, not denied or delayed because of a separate dental deductible. So, the dental expenses will be paid, subject to the policy’s overall limits and any applicable coinsurance. This aligns with how the policy handles accidental dental injuries, unlike routine dental care which is typically not covered.