Health · Chapter 13 · Dental
Scheduled vs Non-Scheduled Dental Plans
Definition
Scheduled (basic) plans pay the actual cost of each listed service up to a published stated maximum — the insured pays anything above it. They have NO deductibles or coinsurance and provide first-dollar coverage. Non-scheduled (comprehensive) plans — the most common type — pay on a usual, customary & reasonable (UCR) basis WITH deductibles and coinsurance that vary by level of care. Dental plans are written on an indemnity (reimbursement) basis, allow choice of provider, and let insureds assign benefits directly to the dentist.
Exam tip
⚠️ Counter-intuitive pairing: the "basic" SCHEDULED plan is the one with first-dollar coverage (no deductible/coinsurance); the "comprehensive" NON-scheduled plan is the one that cost-shares.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms