When you don’t keep your teeth clean and healthy, bacteria builds up in your mouth which can lead to tooth decay and gum disease. According to the Mayo Clinic in Minnesota, gum disease has been linked to cardiovascular disease, diabetes, and several other serious health conditions. With routine care, your dentist can identify small problems before they become large ones and resolve them before they impact your overall health
As we get older, we tend to experience more dental problems than we did in our youth. As a result, the amount of money we spend on taking care of these issues increases, which makes maintaining proper insurance coverage more important than ever. Having retiree dental insurance will help ensure you have access to the coverage you need when you need it, and it will help protect your finances by minimizing your out-of-pocket expenses.
Provincial Dental Insurance Coverage
Unfortunately, provincial health insurance plans do not cover routine dental care for retirees. They only cover certain surgeries that are considered medically necessary which take place in a hospital. Procedures that occur in a dentist’s office are not covered under provincial plans. If you do not have some type of supplemental coverage in addition to your provincial plan, you may want to think about purchasing a retiree dental insurance plan that can provide the protection you need.
Individual Dental Insurance Plan
Canada dental insurance plans offer many benefits provincial plans don’t. They provide coverage for routine trips to the dentist to get the preventative treatment you need, such as cleanings, X-Rays and fillings, to keep your smile healthy and happy. Furthermore, if you do experience a problem, your dentist will be able to identify and treat it early. Because dental insurance pays for much of the cost associated with dental treatment, you will also reduce your out-of-pocket dental expenses for services rendered.
Choosing a Retiree Dental Insurance Plan
There are many different plans available that provide varying levels of coverage for different services. The services that are covered under your plan will depend on the plan you choose and how long you’ve been a policyholder. A customer service representative can help evaluate your needs, review the available plans with you and answer any questions you have about the coverage options, so you can choose the plan that’s right for you.