There are some common medical and dental care expenses outside the scope of provincial health care plans.
In the event that they need these services, Canadians are responsible to pay for the medical or dental fees on their own.
This is why plans for Individual Dental Insurance in Canada are a valuable asset; they supplement provincial health care plans and help Canadians avoid costly health expenses.
In terms of individual versus group dental plans and.
Individual dental insurance is available through Individual Dental Plans. Individual dental plans can be obtained by an individual person who is seeking supplemental dental insurance coverage outside of a group or workplace.
As the insurance provider is not chosen by a group, individuals have the freedom to shop around for the best, most cost-effective dental insurance provider.
Because both medical and dental coverage is important to Canadians, many insurance providers offer Individual Health Insurance Plans that contain both medical and dental insurance in one single plan.
By grouping the insurance coverage, most insurance providers can offer a lower insurance rate than if the dental insurance was purchased as a stand-alone product.
Group dental insurance is available through Group Dental Plans for either groups or company workplaces; individuals can qualify through their association with their workplace.
As the insurance fees are spread across a larger group of people, the rates for group dental plans can be lower than the rates for individual dental plans.
Keeping in mind that insurance rates will vary by provider, a stand-alone dental insurance plan can cost over $50 a month whereas a complete individual health insurance plan can cost in the range of $100 a month.
In addition to overall lower rates, Canadian customers have a single contact for all their medical and dental claims, making the process easier and faster.
When considering a dental insurance plan, it is important to assess your current dental needs.
Basic dental insurance plans can include preventative care, which includes regular cleanings and polishing, x-rays, scaling and minor fillings. Extended dental insurance plans include basic care coverage and will also include in-depth procedures such as root canals, crowns, bridges and gum surgery.
It is important to know the coverage for each service included with a dental plan. Some services may be entitled to 100% coverage, while others may only cover up to 80% for certain services. For plans featuring less than 100% coverage, the insured will be responsible for paying the remaining fee.
Dental insurance coverage can also be time sensitive in that only a certain dollar amount for specific procedures can be claimed each year. For example, in some cases only $2000 for major dental surgeries will be reimbursed per year.
The monthly insurance rates will often depend on the level of dental insurance coverage within the plan; the higher the coverage, the higher the monthly insurance rates.
When it comes time to assess a potential dental insurance plan, consider your oral health history. If you typically have good oral hygiene, you may only need a basic dental insurance plan.
If you have required complicated oral procedures in the past and anticipate more in the future, you may want an extended dental insurance plan.
Furthermore, if you have multiple members under one plan, you may want an extended dental insurance plan to make sure that every member's dental needs are sufficiently insured.
Incoming search terms
individual dental insurance in canada,individual dental plans,individual health insurance plans
