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A Guide To Understanding Dental Insurance In Alberta – What Does It Cover?
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When you get dental insurance in Alberta most policies will cover x-rays, cleaning, and a some routine visits to the dentist. These treatments are part of dental care that most dental insurance in Alberta companies are more than willing to invest.
Preventative Dental Care Costs
Preventive dental care lessens and sometimes eliminates major dental problems in the future. Since most dental problems are preventable, there’s less need for expensive treatments later. This benefits both you and the insurance company.
Extended Dental Care Costs
If you need expensive treatment such as dental implants, bridges, root canals, dentures etc., your dental insurance company will generally pay a percentage of the treatment cost and you’ll be responsible for the rest.
Dental Insurance in Alberta – Premium and Coverage Rates
The percentage the dental insurance company covers typically varies from 50 per cent to 80 per cent of the dentist’s total fee. The higher the premium you pay, the more your policy will cover for the cost of treatment.
It’s uncommon to find dental insurance in Alberta that will cover 100% of the cost. You should be prepared to pay at least part of your dental treatment costs. However, if you have dual coverage – for example, you have dental coverage under your employer’s plan and your spouse’s plan – you might be able to get 100% of your dental costs covered.
Dual Dental Insurance Policies
It’s important to note that you should clarify this by reading the insurance policies to see if there are any exclusion clauses.
Easing the Burden of a Huge Dental Bill
When you compare the cost for preventative dental care and major dental issues with what you pay for insurance premiums you might find it’s a safer bet financially to add dental insurance your medical insurance benefits.
Cap on Annual Spending Limits
Most dental insurance policies in Alberta have annual spending limits. Thus, if you need a major procedure that exceeds this annual limit, you can discuss your options with your dentist. You can see if it’s possible to structure your treatment over more than one year, so you can get maximum benefit from your plan.
Low Cost Dental Insurance in Alberta
However, there’s also some low cost dental insurance plans. They only cover the cost of the least expensive treatment, and it doesn’t matter how many options there are. If you choose a more expensive treatment, you’ll have to pay the difference.
These plans also have lower spending limits, and will only cover certain procedures within a time period. For example, preventative care the first year, and the second year you can your teeth filled.
Get the Answers and Coverage you need.
At Reassured For Life we work with all the insurance carriers in Alberta so you can get the best dental insurance for your family. To find out more about dental insurance in Alberta including different options, or to get a quote visit our website and call to get started.
Reassured For Life is an Alberta insurance brokerage firm selling personal insurance, group medical and life insurance as well as providing advisor services that fit your needs, budget and lifestyle. To know more, visit Reassured.ca/blog.
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