Dental Care Benefits
Whether you and your plan members require basic maintenance or major procedures, group dental care benefits help cover the cost of dental services and supplies offered by licensed dentists. Employees significantly value dental care benefits. Many coverage options are available, and electronic “real-time” claims filing directly from the dentist’s office can save time. Your organization can specify coverage percentages and/or apply a fixed dollar amount per year.
Dental care covers such options as:
- Ongoing care and maintenance of teeth, roots and gums
- Diagnostic services – exams, radiographs, X-rays and tests
- Preventative treatment – polishing, scaling, oral hygiene instruction, it and fissure sealants, and space maintainers
- Minor restorations – fillings, prefab crowns for primary teeth, and other services completed in conjunction with minor restorations
- Endodontics – root canal therapy
- Periodontics – treatment of gums
- Denture maintenance – relines and rebases
- Oral surgery – removal of teeth
- Adjunctive services – anaesthesia, medications and pain relief
Major coverage includes work such as:
- Crowns and Onlays
- Dentures and bridges
- Related items such as posts, pins and denture-related surgery
- Replacements when the existing appliance is five or more years old
- Appliance maintenance – denture relines and rebases, denture or bridgework repair
Orthodontic coverage includes work (with limitations) such as:
- Ortho-exams, X-rays, diagnostic radiographs and casts
- Braces and retainers (usually limited to children between certain ages)
Note: Plans and coverage vary depending on the carrier used.