Which approach to dental plans is characterized by covering a percentage of usual charges in the community?

The approach to dental plans characterized by covering a percentage of usual charges in the community is known as a non-scheduled plan. In a non-scheduled plan, the insurance pays a set percentage of the costs based on the usual and customary charges for dental services in a given geographic area. This allows for more flexibility for members as they can seek treatment from various providers and still receive coverage based on community standards for costs.

In contrast, scheduled plans have a predefined list of covered services with specific dollar amounts designated for each service. This means that the benefits are limited to what is explicitly listed on the schedule.

A combination plan combines features of both scheduled and non-scheduled plans, which may not directly cover the percentage of usual charges but instead includes elements of both structure types.

Incentive plans typically reward members for using network providers or preventative services, often leading to higher benefits for members who adhere to the plan’s guidelines, rather than simply covering a percentage of usual charges.

Thus, the nature of non-scheduled plans allows for broader coverage aligned with community standards, making it the correct answer in the context of the question.