1. Under Arizona law, a disability insurer's contract with an Arizona dentist may require the dentist to accept the insurer's set fee only for:

Services covered under the patient's policy

A.R.S. 20-1342.06(A) bars requiring dentists to accept insurer-set fees for services that are not covered services under the individual's policy.

2. Routine cleanings and exams in a dental plan fall under which category of treatment?

Diagnostic and preventive care

Exams, cleanings, and x-rays are diagnostic and preventive services, which plans usually cover at the highest level.

3. A dental plan that pays a set amount per procedure regardless of the actual charge is a:

Scheduled (table of allowances) plan

A scheduled plan lists a set dollar allowance per procedure; the patient pays any difference between the allowance and the dentist's fee.

4. A nonscheduled (indemnity) dental plan:

Pays a percentage of the dentist's charges, often after a deductible

A nonscheduled indemnity plan reimburses a percentage of charges (subject to plan allowances) and does not restrict the choice of dentist.