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Most people don’t love going to the dentist, but dental care is an essential part of a healthy life. Unfortunately, maintaining your smile and your oral health can be costly. Between cleanings, checkups, fillings, surgeries, and whitenings, dental bills pile up quickly. That’s why it’s important to purchase a dental insurance plan.

Why do I need dental insurance?

Life insurance is a contract to ensure that those who rely on you for financial support — such as a spouse or children — will receive money upon your death to help them pay for their needs.Because it covers expensive dental treatments, helping you save hundreds — sometimes even thousands — of dollars. In fact, according to the Canadian Health Measures Survey (CHMS), 62% of Canadians have private dental insurance.
Full dental coverage isn't currently included in the Canada Health Act, and while some employers offer dental insurance benefits, these plans often just cover standard visits to the dentist. They also rarely cover the full spectrum of dental care procedures you may need.

How does dental insurance work?

Dental insurance covers a percentage of your dental costs, up to a maximum amount per year. Some plans may cover smaller diagnostic and preventative procedures completely, or only require small payments from the policyholder. Basic procedures, like cavity fillings and extractions, will typically require a payment from the policyholder and from the insurance company.
Dental plans can make major dental care a lot more manageable financially, but these procedures aren’t covered on basic plans. However, they can be found on more comprehensive plans, especially when someone has had a policy for years.

What does dental insurance cover?

Basic dental insurance plans will cover many common dental health procedures including the following:

Cleanings

Fillings

Scalings

Examinations

Certain extractions, like wisdom teeth removals.

These plans usually won’t cover major care such as orthodontics (braces), dentures, surgery, or implants. But there are always other options. We can help you find a plan that does offer full dental coverage.
One thing full dental plans don’t cover is cosmetic work. You’ll need to pay for things like teeth whitening procedures and veneers out of pocket.