To minimize adverse selection, which provision might a group dental contract include for late enrollees?

In order to minimize adverse selection in a group dental plan, a contract could include specific provisions for late enrollees. Adverse selection occurs when individuals who are more likely to incur claims are more inclined to enroll in insurance, potentially leading to higher costs for the insurer.

Implementing a requirement for a complete physical examination for late enrollees is a measure aimed at assessing the health risk of those individuals before they fully enroll in the plan. This helps the insurer understand the potential health costs associated with the late enrollees and thus reduces the risk of being disproportionately affected by high-cost claims. By requiring physicals, insurers can potentially exclude those with pre-existing dental conditions or heightened risks that might lead to greater expenses, aligning the group's overall risk profile more favorably.

The other options present alternatives that limit benefits but do not address the underlying risk assessment that a complete physical examination provides. Limiting benefits for one year or excluding certain benefits could deter some high-risk individuals from enrolling but would not effectively screen or identify them as the physical examination would. Therefore, a physical examination stands out as the provision that proactively addresses and manages the risk associated with late enrollment in a way that directly counters the potential for adverse selection.