Company Dental Insurance Coverage

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Company Dental Insurance

A company dental insurance plan is there to protect you and your employees from out-of-pocket dental care costs. Routine dental care isn’t covered by provincial medical plans, leaving British Columbians to pay significant fees out of pocket every time they visit the dentist. The basic cost of living is rising, making it so that many people simply can’t afford to look after their oral health as well as they should.  

This is where dental benefits can help. By offering dental coverage to your employees – such as our dental insurance plan – you can help take the financial pain out of visiting the dentist.  

As part of our commitment to providing comprehensive, customizable group benefits packages to our valued clients, Lifetime Benefits is pleased to include dental insurance coverage as one of our offerings. 

What is Dental Insurance?

Dental Insurance is a type of medical insurance coverage designed to reduce the financial impact of proper dental and oral health care.  

Here at Lifetime Benefits, our dental insurance coverage is divided into three plan types: Basic and Preventative Dental, Major Dental and Orthodontics. 

Basic and Preventative Dental

This type of dental insurance plan includes the following dental care and diagnostic services: 

  • Exams 
  • Cleanings 
  • Fillings 
  • Fluoride 
  • X-rays 
  • Tooth extraction 
  • Scaling 
  • Sealing 
  • Denture cleaning or repair 
  • Periodontics 
  • Endodontics 
  • Oral surgery 
  • Root canals 

Major Dental

Some dental insurance providers have a second category for procedures that might otherwise fall under Basic and Preventative Dental coverage, including: 

  • Bridges 
  • Crowns 
  • Inlays 
  • Onlays 
  • Dentures  

Orthodontics

The third category is Orthodontic coverage for which there are both children and adult options available. 

  • Coverage for Orthodontia / Braces 

What Our Dental Insurance Covers

It is our intention to simplify matters by offering options that are inclusive of all the necessary and major dental procedures, so that your employees can have the benefit of coverage no matter what their needs. As you can see above, our dental insurance plans cover pretty much anything that your employees would need to see a dentist for. To that end, in addition to regular services like examinations, x-rays, cleanings, fillings and fluoride, our dental insurance plan can also covers prosthodontic services. 

Why Choose Lifetime Benefits for Dental Benefits?

As a small business, we know the value of looking after your employees….and their teeth.  

Lifetime Benefits works with all the major health insurance carriers to find you the best dental insurance plan for your company’s budget and needs. We offer superior customer service, walking you through the process of setting up your plan, including explaining how our dental insurance works and laying out all the available options to allow you to make an informed decision for your employees. 

Lifetime Benefits takes the hassle out of applying for medical insurance, simplifying the process, and working with you, no matter the size of the company or number of employees. 

Lifetime Benefits is a full-service brokerage who manages all aspects of the plan after implementation as your plan administrator. Interested in providing dental insurance benefits for your employees? Get a free quote here. 

Receive a quote and apply for personal health insurance by following the link:

Dental Benefits FAQ

Basic dental includes check-ups, scaling, cavities and many other preventative services. Often times with the good insurance companies, comprehensive is included in the basic services.

Comprehensive is sometimes a separate category and usually included with basic dental. These services include the dreaded root canal and periodontics.

Major Dental includes restorative and denture procedures including crowns, bridges, inlays and onlays.

They are not a standard coverage and usually included in larger groups of 5 employees or more, but offered by most insurance companies.

Dentures are covered for maintenance under the comprehensive and for the dentures themselves under Major Dental.

Not all, but if you plan includes major dental than yes.

Braces are not standard but orthodontia can be included with orthodontic dental added to the plan.

Yes. Although the government is starting to cover some dental care, it will only affect a small number of working Canadians and with limited benefits.

Each plan can be slightly different, some plans may not cover major dental such as bridges or crowns. Most do not cover dental implants. Be sure to look into the plan booklet for details.

Since the employer and the benefits broker design the plan together, most traditional (“non-pooled”) plans can be anything you want, especially if you combine it with a Health Spending Account. Just remember that the better the plan the higher the cost and risk to the employer.

The Canadian government is starting to cover some dental care, however it will only affect a small number of working Canadians and with limited benefits.

Yes you can get insurance through your employer if they offer it or you can purchase your own. The best plans are available here *** Add as hyperlink https://mygscadvantage.ca/content/8536-HA375-326825671

Since the employer and the benefits broker design the plan together, most traditional (“non-pooled”) plans can be anything you want, especially if you combine it with a Health Spending Account. Just remember that the better the plan the higher the cost and risk to the employer.

With the new government dental plan, eventually it will cover all children, teenagers and seniors who qualify based on low income. Even if you do qualify for the benefits, they are limited and a dental plan will still be important.

According to Smile Care Dental, on average a Canadian will spend $639 yearly at the dentist. Prices vary between provinces.

Basic/comprehensive which covers preventative care, root canals and periodontics. Major which covers restorative work such as crowns bridges and inlays. Orthodontics which covers orthodontia and related devices.

We like to use Manulife, Canada Life, Empire Life, Sun Life and Royal Bank . However plans are designed by the employer and benefits broker, the choices affect the quality of the plan.

Yes, you can get insurance through your employer if they offer it, or you can purchase your own. The best plans are available here *** Add as hyperlink https://mygscadvantage.ca/content/8536-HA375-326825671

Most group benefit plans include dental care, although it can be removed. Dental is a separate category but is synonymous with health insurance.

Root canals are considered comprehensive dental care and are not always covered – this depends on the chosen plan. If root canals are not even an option, look for a new plan.

A company would not provide two dental plans, however an individual would benefit from two plans, either from a spouse or adding on a personal plan. Having two dental plans would be additive and increase the amount of benefits, as well as the amount that is covered when they go to use it.

Unfortunately they are rarely covered. If your company is large enough or would take on the cost themselves, it can be added to a plan. A Health Spending Account would allow an implant if the employer chooses to.

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Company Dental Insurance Coverage ​with Lifetime Benefits