As it becomes clear that dental insurance is important to protect the financial health as well as the dental health of Canadians, it is good to understand what is involved in determining dental insurance premiums in Canada, and why these considerations are a factor.

Age, Marital Status, Dependents

Your age affects the types of dental services that are typically required, and therefore the related insurance premium. As for marital status and the number of dependents, logically, premiums are higher to cover more people on a dental insurance policy. There are insurance package options for individuals, couples or families. Note that unless coverage for other family members is provided by another carrier, all eligible family members must be enrolled.

City and Province of Residence

Geography affects dental insurance premiums, in large part because the location of the dentist’s office affects the final tally of dental insurance claims. A dentist practicing in a large city will often have higher operating costs than someone in a smaller town. However, dentists in remote areas will be affected by higher costs to transport supplies and equipment.

Coverage Levels

Every insurance company has their own specific coverage guidelines, and the following gives a general overview of the types of treatments and services that may be covered. For a more exhaustive list, please speak with an insurance broker.

Dental insurance coverage is typically available in different levels based on the prospective insured’s specific needs and budget.

Basic Coverage generally includes preventative dental visits for routine services such as exams, cleaning and x-rays. Fillings and extractions may also be covered.

Basic Comprehensive insurance provides all of the above and also may include coverage for periodontal services and some care relating to dentures.

Major Services coverage can include coverage for tooth replacements like dentures, crowns, and bridges. It may also cover repairs to those replacements. Some orthodontic treatment may also be covered under major services. It is important to be aware that, in most cases, all these major services will only be eligible in the third year of coverage.

The best person to help you determine the right plan for you is an insurance broker. These highly qualified professionals can be your guide to finding the best coverage at the best rate for your dental insurance needs. Speak with one today to ensure your family’s dental health is protected against the unexpected.