Kentucky Health Insurance Practice Exam

Julie must have orthodontic work performed on her incisors. Which type of service would this be called, under a nonscheduled plan?

1. Minor service

2. Repair service

3. Major service

4. Basic service

The correct answer is: Major service

Orthodontic work on incisors is categorized as a major service under a nonscheduled plan. This classification is due to the complexity and the extensive nature of orthodontic procedures, which typically involve a longer duration of treatment, multiple visits, and invasive techniques. Major services often encompass extensive restorative procedures or treatments that significantly enhance the dental structure or appearance. In this context, while the other classifications such as minor or basic services pertain to less complex or routine care—like preventive visits or simple repairs—orthodontics is recognized for its complexity and specialization. Therefore, classifying this type of service as a major service aligns with how insurance plans typically define such treatments within their coverage policies.