Dental Insurance

Dental Insurance

Group Insurance

Many people are reluctant to cover the cost of dental appointments themselves as they can be quite costly. However, enrolling in a dental insurance plan can significantly reduce the financial burden.

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What is Dental Insurance?

Dental insurance pertains to insurance that covers the cost of dental procedures, with the exception of cosmetic dentistry. The coverage of dental insurance is limited to procedures that are deemed necessary by a dentist or another qualified medical professional.

Different Types of Dental Insurance

Employer-Sponsored Drug Plans

These are employer-provided insurance plans aimed at augmenting employee benefits packages. They encompass coverage for prescription medications, ensuring that employees and their families have access to necessary medications while sharing the cost burden with the employer.

Provincial/Territorial Public Drug Programs

Each province and territory in Canada administers its own public drug program, furnishing prescription medication coverage to eligible residents. These programs are designed to offer equitable access to necessary medications, considering factors like income level, age and specific medical conditions.

Private Health Insurance Plans

Private health insurance plans, available to individuals and families, extend coverage beyond the public system. These plans incorporate prescription drug coverage as part of their comprehensive health benefits, typically offered by insurance companies, professional associations, or other entities.

Health Spending Accounts (HSAs)

HSAs, commonly offered by employers, provide a flexible means for employees to allocate funds for various health-related expenses, including prescription medications. Employees can access these funds to cover out-of-pocket costs, contributing to a more personalized and tailored healthcare approach.

Government Assistance Programs

In addition to provincial/territorial programs, government assistance initiatives cater to specific demographic segments. These programs, such as the Trillium Drug Program in Ontario or the Seniors' Pharmacare Program in Nova Scotia, furnish prescription drug coverage to low-income individuals, seniors and other targeted populations.

Individual Prescription Drug Plans

Designed for individuals without access to employer-sponsored or public drug plans, individual prescription drug plans can be obtained separately. These plans offer coverage for prescription medications on an individual basis, enabling individuals to secure the necessary pharmaceutical treatments according to their unique circumstances.

Product Highlights

Affordable Plans to Protect Your Dental Health

Coverage For Routine Preventive Care

Look for a plan that covers regular dental exams, cleanings and X-rays, as well as fluoride treatments and sealants to prevent tooth decay.

Coverage For Major Restorative Care

Choose a plan that covers procedures such as root canals, crowns, bridges and dentures, as these can be expensive without insurance.

No Waiting Period

Some dental insurance plans have a waiting period before coverage starts for certain services. Look for a plan with no waiting period if you need immediate dental care.

Affordable Premiums

Dental insurance premiums can vary widely, so look for a plan with affordable monthly premiums that fit your budget.

Low Deductibles

Choose a plan with a low deductible, or no deductible at all, so you don't have to pay a large out-of-pocket expense before your coverage kicks in.

Network Of Dentists

Look for a plan with a wide network of dentists in your area, or a plan that allows you to visit any licensed dentist, so you can choose a provider that meets your needs.

Additional Benefits

Some dental insurance plans offer additional benefits, such as orthodontic coverage or coverage for cosmetic procedures. Consider these additional benefits when choosing a plan that fits your dental needs.

Benefits

Why Do You Need Dental Insurance?

Access To Care

Access To Care

While your provincial health insurance plan may not cover dental care, having supplemental dental insurance can provide coverage for a range of services. This includes routine cleanings, x-rays, fillings and more extensive treatments like orthodontics, bridges and dentures.

Prevention

Prevention

Maintaining good oral health becomes essential with regular dental checkups and cleanings. Dental insurance can encourage individuals to seek preventive care, which can help prevent common oral health problems like cavities, gingivitis and periodontitis.

Cost Savings

Cost Savings

Dental procedures can be expensive, and inadequate dental coverage can make dental care unaffordable. Having dental insurance can help reduce out-of-pocket expenses associated with both routine and emergency dental care.

Peace Of Mind

Peace Of Mind

Dental emergencies can be stressful, but having appropriate dental coverage can provide financial security and access to necessary care. With the right dental insurance plan, you and your loved ones can have peace of mind knowing that the cost of treatment will be partially covered.

MyLegacy Insurance Services Dental Insurance Coverage Policy

MyLegacy Insurance Services partners with some of the top dental insurance providers in Canada to offer our clients the best possible coverage for their dental needs. Our network includes providers such as Sun Life Financial, Manulife Financial, Great-West Life Assurance Company and more. We help you to cover the costs of routine dental procedures and oral surgery not covered by OHIP. With our wide range of providers, we can help you find a dental insurance policy that suits your needs and budget. Our team is dedicated to helping you protect your oral health and financial well-being. You can also have peace of mind knowing that you can receive necessary care without worrying about hefty out-of-pocket expenses in the event of a dental emergency.

We provide flexible and affordable health insurance coverage options for you and your family. Our plans have no deductible, making them an excellent choice for those without group insurance.

Our dental care plans cover a range of services, including:

Preventive Care

This includes dental diagnosis, x-rays, lab tests, fillings, scaling, cleaning and tooth extractions.

Restorative Care

Our plans cover endodontics, periodontics, braces, oral surgery, dental crowns, bridges and dentures.

By choosing our dental insurance policy, you can ensure that you and your family receive the necessary dental care without worrying about the financial burden associated with dental procedures.

Get Customised Dental Insurance Quotes From MyLegacy Insurance Services, the Leading Provider of Dental Insurance in Canada.

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Get Started

At MyLegacy Insurance Services, getting dental insurance coverage online is a simple and hassle-free process.

Here's how you can get started:

01 Step

Check Your Price

Use our website to get a no-obligation quote and find out your monthly rate in just a few clicks.

02 Step

Choose Your Policy

We offer a range of dental insurance policies to suit your needs. Choose the plan that meets your requirements and fits your budget.

03 Step

Complete Your Application

You can complete your application online and finish the whole process in just 15 minutes. Our user-friendly online application makes it easy to apply for coverage and get the protection you need for your dental health.

With MyLegacy Insurance Services, you can secure the best dental insurance coverage in Canada with just a few clicks. Get started today and protect your smile for tomorrow.

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