Preventive care
Eligible examinations, diagnostic services, cleanings and other routine care at the frequencies defined by the plan.
Employee health benefits
Group Dental Benefits for Canadian Employees
Dental coverage is one of the most visible parts of an employee benefits plan. Clear categories, limits and expectations help employees understand its value.
Talk to a benefits advisorGroup dental benefits can reimburse eligible preventive, basic and major dental services. Every policy defines these categories differently, so the headline reimbursement rate is only one part of the coverage.
The right design reflects employee priorities and the employer budget. A thoughtful plan can support routine care while setting sensible limits for more expensive procedures.
Understanding the benefit
What dental benefits may include
Coverage depends on the insurer schedule and may include:
Basic services
Services such as fillings, extractions or some endodontic and periodontal treatments, based on the policy definitions.
Major services
Crowns, bridges, dentures or orthodontics may be included with separate reimbursement levels, maximums or waiting periods.
Plan design
What employers should compare
Check the provincial fee guide and year, reimbursement by category, annual maximums, recall frequency, scaling limits, replacement intervals and predetermination requirements. A larger maximum is not automatically more valuable if important services are excluded.
Three questions to ask
- 1 Which preventive, basic and major procedures are included in each proposal?
- 2 Are the reimbursement levels, frequency limits and annual maximums easy for employees to understand?
- 3 Would a core insured plan, broader coverage or a spending-account supplement best fit the budget?
Explore related employee benefits
Build the right plan
Turn benefit options into a workable plan.
A NextGen advisor can help you compare coverage, understand the trade-offs and build a sustainable benefits program for your organization.
Talk to an advisor