Which of the following is NOT used to prevent adverse selection in a group dental plan?

Preventing adverse selection is crucial in insurance because it helps maintain a balanced risk pool. Adverse selection occurs when there is an imbalance where those who are more likely to use insurance are more likely to enroll, leading to higher costs for the insurer.

Probationary periods, waiting periods, and the requirement to provide evidence of insurability are all strategies used to mitigate adverse selection. For instance, probationary periods require employees to wait for a certain duration before becoming eligible for coverage, which may deter those who know they will need immediate care. Waiting periods similarly serve to discourage those who only seek insurance when they anticipate needing it soon. Requiring evidence of insurability means that individuals must demonstrate their health status before obtaining coverage, further preventing high-risk individuals from enrolling without undergoing scrutiny.

On the other hand, decreased employee participation does not constitute a strategy for preventing adverse selection. In fact, less participation could lead to a higher concentration of high-risk individuals in the plan, potentially exacerbating the issue of adverse selection instead of alleviating it. High participation rates are generally beneficial for group plans, as they help spread the risk across a larger pool, enhancing the plan's overall stability.

By focusing on strategies such as probationary and waiting periods, along with evidence