Which type of dental policy typically pays a portion of usual and customary charges for covered procedures?

A comprehensive (non-scheduled) dental policy is designed to cover a wide range of dental procedures by paying a portion of the usual and customary charges associated with those services. This means that instead of providing a fixed amount for each specific procedure, the policy reimburses the insured based on the average costs among dental providers in a particular area, ensuring more extensive coverage and flexibility for patients.

This approach allows policyholders to seek care from various dentists while still receiving reimbursement for services rendered, as long as those services fall within the covered criteria. The flexibility of a comprehensive policy is beneficial for individuals seeking a broader spectrum of dental care, effectively accommodating various treatment needs without being limited by a pre-defined schedule.

In contrast, other types of policies might limit coverage to specific procedures or pay fixed amounts, making comprehensive (non-scheduled) policies more advantageous for those requiring diverse dental services.