Nobody likes to go to the dentist. Okay, some people probably do, but in general, the thought of going to the dentist isn't pleasant. One reason behind that is the cost. As of 2022, nearly 100% of adults will have some sort of tooth decay at some point in their lives, be in minor or major. A staggering fact if you ask us.
Luckily, dental insurance can help offset the cost of whatever work you need to have done. No two dental insurance plans are the same though, so it's important to compare your options.
With so many options available, how do you know which providers are the best? To help you in your search, we've created this handy list. Here are the five best dental insurance providers in Canada as of 2022.
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Before we get into which providers are best, here's a reminder of some important things to keep in mind as you research the different providers. Keep your specific needs in mind as you read through the list and take note of what's important to you.
Monthly/yearly premium
Deductible amount
What procedures are covered
Cost for office visits
Cost for routine/preventative care
Where you can use the insurance
Now that you know what to look for, let's take a look at the top dental insurance providers.
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The dental insurance offered by Manulife comes in a sort of package deal. They offer Flexcare Health and Dental, which means you can get a mix of multiple types of insurance.
There are multiple plans available within the Flexcare Health and Dental program from Manulife. Five of these plans include dental coverage.
This option is great for people looking for all their insurance to be in a central location. If you'd rather have multiple providers for different types of insurance, you should look elsewhere.
Manulife Key Details:
TITLE
DETAILS
Headquarter
200 Bloor Street East, Toronto, Ontario, M4W 1E5
Contacts
Health and Dental: more_info@manulife.com Travel: travel@manulife.com Life and Disability: am_service@manulife.com Telephone: 519-747-7000
Canada Protection Plan offers plans in a similar set up to Manulife. They offer both health and dental insurance that can be combined and used together, or used separately. This lets you choose a plan that's the right fit for you and your family.
If you run your own business you shouldn't only consider Canada Protection Plan for your family. Health and dental plans are offered for businesses as well.
Dental plans with Canada Protection Plan range from basic to advanced. Few details are included on their website, so give us a call at 1-877-574-7475 to find out about the details of each plan.
CPP Key Details:
TITLE
DETAILS
Founded
1992
Headquarter
Head Office 250 Ferrand Dr., Suite 1100 Toronto, Ontario, Canada M3C 3G8 Montreal Office 3500 Boulevard de Maisonneuve West, Tower 2, Suite 1802, Montreal, Quebec H3Z 3B8
Blue Cross offers dental insurance in conjunction with health insurance. You can get this coverage for as little as $63.20 per month. Their goal is to help people get to the dentist as often as they should, twice each year.
Blue Cross specifically caters to those who don't have insurance benefits through an employer. So this is a must-check-out option for anyone who is self-employed.
What's covered by Blue Cross dental insurance? You'll need to contact them for full details, but you'll definitely have the peace of mind you're seeking when it comes to common dental issues.
Blue Cross Key Details:
TITLE
DETAILS
Headquarter
185 The West Mall, Suite 610 Etobicoke, ON M9C 5P1
Contacts
Ontario: https://www.bluecross.ca/our-regions/ontario/ Alberta: https://www.bluecross.ca/our-regions/alberta/ British Columbia: https://www.bluecross.ca/our-regions/british-columbia/ Manitoba: https://www.bluecross.ca/our-regions/manitoba-blue-cross/ New Brunswick: https://www.bluecross.ca/our-regions/new-brunswick/ Newfoundland and Labrador: https://www.bluecross.ca/our-regions/newfoundland-and-labrador/ Northwest Territories: https://www.bluecross.ca/our-regions/northwest-territories/ Nova Scotia: https://www.bluecross.ca/our-regions/nova-scotia/ Nunavut: https://www.bluecross.ca/our-regions/nunavut/ Prince Edward Island: https://www.bluecross.ca/our-regions/prince-edward-island/ Quebec: https://www.bluecross.ca/our-regions/quebec/ Saskatchewan: https://www.bluecross.ca/our-regions/saskatchewan-blue-cross/ Yukon: https://www.bluecross.ca/our-regions/yukon/
Green Shield Canada is another great option if you're looking for dental insurance and flexibility in a package deal. They offer both health and dental insurance, like the others on this list, and they offer several plans to choose from.
Like Blue Cross, Green Shield Canada acknowledges that working in an office for eight or nine hours a day is becoming less and less of a norm these days. Contract work, freelance work, and other non-traditional options needn't cause stress due to lack of insurance. Instead, dental and health insurance are right at your fingertips, no matter what location you work from.
There are many plans offered through Green Shield Canada. Compare them to each other and find your favorites. Then, take those favorites and use them when comparing different companies to find your best option.
The Sonata Health plan offered by the Great-West Life Assurance Company is designed to fit your needs. You choose which plan is best, whether you're looking for your entire family or just you. It's important to note however that Great West Life is now The Canada Life Assurance Company.
Three different levels of care exist, each offering different coverage for dental, vision, and drug care. Simply compare the three levels to find the one that's right for you.
Once you've chosen a level for your plan, you have the option to add some extras. These include emergency medical coverage while traveling, hospital stay coverage, and major dental services.
People make dental coverage out to be such a big deal, but is it? Yes! Dental insurance is important because caring for your teeth is important.
You may be surprised just how much your mouth is connected to other parts and functions in your body. Good oral hygiene is important to your overall health. If you don't have insurance, how likely are you to make those important regular visits to your dentist?
Having dental insurance in place ensures you'll have peace of mind when issues arise, as they likely will at some point.
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Don't miss our great guide on how to get your little ones to love brushing their teeth.
What it all boils down to is, it's up to you to decide which is the best dental insurance provider for you. There are many options to choose from, and many of those options are great ones.
The best way to determine if a dental insurance provider is right for you is to consider your specific needs. Keep those in mind while you contact providers and you'll soon find which one is best for you.
Is dental insurance really worth it? That depends on your circumstances. Click here to read more about determining whether it's worth your money or not.
