Having a supplemental dental plan is crucial for all Canadians because most of the provincial health coverage plans do not include dental. The ones that do offer this level of coverage typically offer it only to children below the age of twelve.
Most people cannot afford out of pocket expenses for dental care. Even those without children can end up spending a fortune for their own individual care. You may have the option to get coverage through your employer, but if this is not an option or you simply want better coverage you can find brokers online who can help.
A good dental plan will cover at least some of both preventative and reparative procedures. This means that your regular checkups should be covered as well as treatment for any problems that occur. This does not, however, include cosmetic procedures such as teeth whitening, in most cases.
Some of the basic services you are likely to undergo and should be covered for are: bi-annual cleanings and x-rays. Major procedures like crowns, bridges, and dentures (partial or complete) are typically 50% covered. Depending on your policy, you could have coverage maximums; be sure you know the limits before agreeing to the work. You don’t want to find out too late that you’ve exceeded your cap.
Without dental insurance even the basics can get expensive. Everyone, no matter how well you brush and floss, needs regular deep dental cleanings to remove tarter build up and to help spot any potential problems. Teeth cleaning, x-rays, fillings, and root canals are some of the typical procedures encountered during a visit to the dentist. A cleaning can range in price from $90 to $200, and a root canal can cost over $1,000.
Dental care is equally as important as health care and should be treated as such. Regular visits to the dentist can prevent potential dental problems as they can be identified before they become major issues.
Carefully review your dental insurance quotes and once you have a dental plan in place, you can visit the dentist regularly and have them covered by your policy.
If you have a dental coverage booklet, we here at The Dental Centre can help you understand it or we can give you an Insurance Coverage Information Form so you can call your insurance company to find out what coverage you have. If you have any concerns about your dental plan, talk to us today.