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Dental Care | Disability | Extended Health

Dental care benefits provide comprehensive dental services and supplies to insured employees and their eligible dependents. The type of dental services covered under a dental plan varies; Generally, dental care services are grouped into three major coverage options:

  • Basic Services: This type of services include coverage for diagnostic and preventative treatments, such as routine dental examinations, x-rays, cleanings, topical application of fluoride, oral hygiene, fillings, scaling of teeth, tooth extractions, periodontic services to treat the bone and gum around the tooth and endodontic services including root canal therapy.
  • Major restorative services: Include coverage for dentures, crowns, inlays, onlays and bridgework. Also Periodontic and Endodontic Care.
  • Orthodontics Services : Include coverage for procedures and appliances, such as braces, wires, space maintainers and other mechanical aids required to straighten teeth and correct other defects. Only available to groups with 10-19 insured lives for Dental coverage (depending on the insurance company). And only children under age 19 are covered for this procedure.


    • The dental services are generally divided into several levels of coverage. At each level, a variety of plan design features, such as co-insurance, deductibles and maximums are available. Generally, the percentage reimbursement for Basic services is higher than the percentage reimbursement for Major Restorative and Orthodontic services. Beginning with basic coverage, plan sponsors have the option of adding more comprehensive services such as above, or, if they desire a cost containment plan, install only the Basic Dental Services.

    Deductibles and Coinsurance %s available:



    For Basic Services:

    $0/0, $25/50 or $50/100 (single/family) per policy anniversary.
    Coinsurance (the portion the Insurance pays): 60%, 80%, 90% or 100% of the eligible dental expense
    Annual Maximums: $750, $1,000 or $1,500, or $1,500 combined with Major Dental
    The recall basis is between 6 to 12 months and the fee guide is the current fee guide of either the employee’s province or the employer’s province, whichever option you select.

    For Major Dental:

    Deductible: The same as Basic Services included in the Dental care plan Coinsurance: Usually 50% of the eligible dental expense. You, the business owner, understand the tremendous benefits in investing in a group insurance plan for your employees. Such plans can be cost-effective in complementing your compensation structure and making your company a more desirable place to work for talented employees.

    Extended health care and Dental Care benefits are important features of any group benefits plan. They help your plan members bridge the widening gap between provincial health insurance plans and the coverage your members and their families need.

    Whether you own a well established business or just starting, call us for more information or ask us for quotes; we will do the shopping for you.ffort.