Does Sun Life Insurance Cover Dental Implants - Want to buy a final decision. (âPPACAâ). Alternatives to dental implants include partial dentures and bridges, which insurance should cover. DHMO stands for Dental Health Maintenance Organization. As one of Canada's major dental insurance providers, Sun Life can offer various flexible plans that will suit individuals and their families, seniors and groups such as employees etc. Subject to the lock-in period indicated above, you can change your option on the Policy Anniversary. Supplemental Dental Accident Benefit. Focus on what you care about most: your patients. Required fields are marked * Comment. Optional major coverage for crowns and bridges (minimum of five participants is required). Additionally, for what it's worth, Manu seems to have won the contract to take over all of the teacher plans in Ontario where service/support was a factor in winning the del. Sunlife Dental Group offers their patients a unique dental experience utilizing advanced dental technology. A DHMO/prepaid plan is not the same thing as a discount plan. To assess the medical necessity of a higher-priced drug, Sun Life will require you, your spouse, or your dependent child and the attending physician to complete and submit an exception form. Coverage may also be available for your spouse and dependents, so you can keep your family healthy. Dental Coverage You have access to preventive care with a Plan that offers up to $750 coverage for dental visits per policy year. If you don't have any insurance, now might be the perfect time to find a plan that fits your budget. Sunlife Dental Group is a team of seasoned professionals dedicated to treating you first as a person, then as a dental patient. When considering one of our dental plans, consider the following: The content on this page is not approved for use in New Mexico. ... You do not have to pay a deductible for dental coverage. Coverage under the Public Service Health Care Plan . When you sign up for a dental plan through work, you can take advantage of group rates that are often more affordable than the rates you would face if you were to purchase insurance on your own. We deliver state-of-the-art dentistry procedures in a warm and inviting atmosphere. A PPO is a network of participating dentists who agree to provide services at a negotiated discount. Click this button to collapse it. Update your browser for a better experience when using our site. The company was established in Canada but has since spread to the United States as well as Europe, Asia, and South America. Home | Careers | Contacts | Investor center | legal | privacy | security. Click this button to collapse it. Benefits along with the insurer pays a reduced one. By visiting mysunlife.ca or using our mobile app, if you have coverage, you can: To learn more about the my Sun Life mobile app visit sunlife.ca/mobile. Your Plan covers up to 70% to 80% of your dental costs and by visiting a Studentcare Dental Network member, you will receive an additional 20% off dental services. The American Academy of Implant Dentistry suggests that patients ask their insurance company to provide an allowance that matches the cost of traditional dentures or a dental bridge. You can only cover one spouse at a time. This dental plan does not provide coverage for pediatric oral health services that satisfies the requirements for âminimum essential coverageâ as defined by the Patient Protection and Affordable Care Act. We offer two types of dental plans - PPO dental plans and DHMO/prepaid dental plans. You should contact Sun Life before purchasing any new durable equipment to confirm whether the item is covered. However, not all items are eligible for reimbursement under the Plan. 2 Spouse: Your spouse by marriage or under any other formal union recognized by law; or a person of the opposite sex or of the same sex who is publicly represented as your spouse for a period of at least 12 months. Prepaid dental products are provided and administered by SLOC under Form Series BDC-GDSA, PDC, and are provided by prepaid dental companies, affiliated with SLOC, under Form Series BDC-GDSA, UDC-CA-GA06-UDC, UDC-CA-GA06-89, FB-NJ-0281, UDC-09-GDSA-TX, PDC in certain states except New York. covered under your provincial health insurance (plus RAMQ in Quebec). © 2019 Sun Life Assurance Company of Canada. Your expenses may be fully or partially covered. Sun Life can help you determine which plan you should claim from first. How Sun Lifeâs Dental insurance can help ⢠Encourages routine cleanings and checkups at ⦠Name * Email * Website. Dental Implant Coverage. Sun Life Assurance Company of Canada Client Solutions P.O. Delta Dental Insurance, the country's largest dental insurance provider, offers coverage to 80 million Americans in all 50 states and Puerto Rico.The company contracts with approximately 156,000 dentists. We understand the importance of having a confident smile, which is why Solstice now offers Dental Implant Coverage on all of our plans! Oral hygiene instruction once every 9 months. View a quick clip featuring why dental insurance might be right for you. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada. It provides dental coverage to eligible federal pensioners and their family members who qualify, including survivors. Surgical removal of implants or implant appliances, or any surgical or non-surgical services to adjust, repair, replace, or treat any problem related to an existing implant, or implant appliance, whether fixed or removable. This dental insurance does not provide coverage for pediatric oral health services that satisfies the requirements for “minimum essential coverage” as defined by The Patient Protection and Affordable Care Act (“PPACA”). Sun Life Dental Review. The current policy year is from Sept. 1, 2019 â Aug. 31, 2020. Sun Life Assurance Company of Canada is the insurer of this product and is a member of the Sun Life Financial group of companies. Basic coverage for fillings, root canals, extractions and gum surgery. Simplify the work of managing your dental practice with Sun Life Direct. â These services will be covered at 25% in year one and 50% in year two and beyond. Access your EHC and Dental benefit and claims information quickly and easily. We offer two types of dental plans - PPO dental plans and DHMO/prepaid dental plans. This includes diagnostic procedures, formal treatment and retention. ... you pay your dentist the amount not covered by the Dental plan and Sun Life will ⦠Region and language selection is expanded. If you're covered through your employer Sign in to mysunlife.ca to get your coverage details. Dental Implant FAQ; Contact us; Dental Insurance Finance Sun Life. ... Implant Coverage. Only children under 19 are covered for this treatment, Prefabricated metal or plastic restorations, Examinations (including orthodontic diagnostic services and fixed or removable appliances such as braces.). (navigate into the submenu with the down arrow key, activate a link with the enter key or space bar, close the submenu with the escape key), Access dental benefits and dental ID card. Post Comment. (accessed on 02/28/20). Sun Life Financial Insurance Review & Complaints: Life, Disability & Dental Insurance Sun Life Financial is an international insurance provider that works best with group benefits for specialty markets. 1. Live life to the fullest while protecting your health and wealth. What is Dental Implant Insurance? Extended Health Care (EHC) Insurance covers many basic health costs. Events like: purchase of an irs audit. All rights reserved. Language selection is expanded. Health insurance, dental insurance or a combination of both may cover dental implants. Youâll use your coverage when you: need prescription drugs 1; buy new glasses or contacts; see a variety of medical practitioners, including massage therapists, physiotherapists, chiropractors and more; have a stay in the hospital (where youâll want a semi-private or private room) visit the dentist (if you choose an option with dental care coverage) © Sun Life Assurance Company of Canada. Periodontal disease can lead to receding gums, bone damage, loss of teeth, and can increase the risk of other health problems such as heart disease and diabetes. A dental plan can help lower your out-of-pocket expenses so you and your family can maintain healthy smiles—and better overall health, too. Our dental plans provide coverage for implants. You must also have coverage in order to obtain spouse coverage. Good Vision Benefit for Children. Create customizable, affordable, comprehensive dental benefits plans to meet employees' needs. With the Prepaid ... Enrolling in Sun Lifeâs Prepaid dental plan is easy! With a PPO plan, you can see any dentist you choose, but you will receive a discount when you see a dentist within the PPO network. You can even make trips to the dentist less painful by choosing a plan with dental care. This website is intended only as an outline of the insurance policy, which is available upon request. Depending on your dental plan, it can cover expenses ranging from preventive procedures such as cleanings, X-rays, and exams, to major procedures like bridges, dentures, and crowns, as well as orthodontics (braces). implants and related surgery, up to a maximum of $1,500/implant, payable once the final implant prosthesis is inserted. For more information, refer to: For example, to include dental coverage, you must have been covered for dental under your group benefits plan. Just annual preventive care alone can help prevent other health issues such as heart disease and diabetes. PPO stands for Preferred Provider Organization. "In this dental implant testimonial, our patient discusses the discomfort he suffered when smiling and eating with missing and damaged teeth. Sun Lifeâs health protection plans are here to make this possible by providing you the best care should an illness strike, allowing you to live a full and brighter life with your loved ones. Discontinuance of cohabitation terminates the eligibility of a common-law spouse. Take advantage of convenient online services for payments and estimates â and get the word ⦠Navigate into the sub menus with the down arrow, activate a link with the enter key, close the sub menu with the escape key, Extended Health Care and Dental Insurance, Accidental Death & Dismemberment Insurance, see a variety of medical practitioners, including massage therapists, physiotherapists, chiropractors and more, have a stay in the hospital (where you’ll want a semi-private or private room), visit the dentist (if you choose an option with dental care coverage), Find out what your health and medical plans cover, Submit a copy of a receipt by snapping a photo, Get help faster by calling us from within the app – we’ll have your plan details ready to go, Have your coverage cards handy wherever you go in the app and Apple Wallet, Use the drug-look-up tool to find out how much of your prescription drug costs are covered – we may even be able to suggest a less-expensive generic equivalent, Keep up with product and service updates, special offers and helpful reminders by viewing ‘My Notifications’. If you cannot obtain insurance coverage for a dental implant, consider alternatives for which your insurer might pay. 3779 Riley ⦠ET. Helping employers offer group benefits to employees including, life, disability, dental, critical illness, accident and medical stop-loss insurance. A PPO is a network of participating dentists who agree to provide services at a negotiated discount. * Dependants age 21 to 24 must be full-time students. Product offerings may not be available in all states and may vary depending on state laws and regulations. Coverage may also be available for your spouse and dependents, so you can keep your family healthy. comprehensive orthodontic treatment, using a removable or fixed appliance, or combination of both. You will experience significant discounts on dental implant procedures; Solstice Dental Implant Coverage is the perfect fit to restore your smile! There are five health care plans available. ⢠Sun Life Dental Network ®, the PPO network for your plan, includes 125,000+ unique dentists, offers you more options to help save on fees and can make your annual maximum go even further 7 . Check out the rate sheets for a quick estimate. Here are some guidelines: According to this review, if Sun Life Financial insurance products are available through your employer, you should consider it. between the ages of 18 and 65 (coverage ends on member’s 75th birthday). Sun Health and Dental - Dental Benefits. You can find out more in your plan brochure. Prepaid dental companies are Denticare of Alabama, Inc., United Dental Care of Arizona, Inc., UDC Dental California, Inc., United Dental Care of Colorado, Inc., Union Security DentalCare of Georgia, Inc., United Dental Care of Missouri, Inc., Union Security DentalCare of New Jersey, Inc., United Dental Care of New Mexico, Inc., UDC Ohio, Inc., United Dental Care of Texas, Inc., and United Dental Care of Utah, Inc. Every BEST Life dental plan includes coverage for injuries to sound, natural teeth of up to $1,000 per incident. Leave a Reply Cancel Reply. Eligibility. Evidence of insurability is required if you are moving up an option. Covers the services of licensed acupuncturist, audiologist, chiropractors, occupational therapist, physiotherapist or social workers, psychologist, massage therapist, naturopaths, osteopaths or speech language pathologist, Call us at 1-800-669-7921 Mon to Fri 8:00 a.m. to 8:00 p.m. American Academy of Periodontology http://www.perio.org/consumer/love_the_gums_you%27re_with. Our plans include preventive care, as well as reconstructive, diagnostic, x-ray and periodontal care. Life is brighter when your health and wealth is well taken care of. Deductibles, benefit maximums and possibly waiting periods, No deductibles, maximums or waiting periods, Freedom to choose dentists both in and out of the network, You must select a dentist who is in the network, Coinsurance for covered services—this means you pay a percentage of the provider’s fee, Copayment schedule for covered services—this means you know costs up-front and pay at time of service, Some exclusions for pre-existing conditions, Benefits are payable for pre-existing dental conditions within the copayment schedule. Box 2001 Stn Waterloo Waterloo, ON, N2J 0A3. Health Details: Sun Health & Dental prioritizes our members oral health, by offering them access to quality and affordable dental care.We even offer certain preventive dental care procedures for free. You can also call the Customer Care Centre at 1-877-SUN-LIFE (1-877-786-5433), Monday to Friday, 8 a.m. to 8 p.m. An Insurance Canada summary of... Sun Life Dental is an integral part of the Sun Life insurance company. A dental plan encourages routine cleanings and checkups at the dentist so you can protect your teeth for a lifetime. ET. Sun Life Financial - Dental and vision Search A healthy smile helps everyone feel more confident. 70% of the first $1,000 of expenses, 80% of the excess, 70% of the first $800 of expenses, 80% of the excess, 80% of the first $3,000 of expenses, 90% of the excess, 100% up to $6.50 per prescription or refill, Medical Services and Equipment, Equipment, Supplies and other services, MRI and other services (plan year maximum) - Quebec only, Orthotic inserts and orthopedic shoes (plan year maximum), Glucometers (maximum in any 5-year period), Casts, splints, trusses, canes and crutches (plan year maximum), Up to the Plan year combined maximum shown below, 70% with a maximum in any 5-year period of $350 per person, 80% with a maximum in any 5-year period of $400 per person, 80% with a maximum in any 5-year period of $450 per person, 90% with a maximum in any 5-year period of $550 per person, $750 for Preventive and Basic combined $500 for Major. Coverage includes dental and vision benefits through payroll deduction. This quote is subject to our approval. It looks like you are using an outdated browser. Source - 10 plus yrs dealing with Sun Life benefits plans and claims, and 1 yr with Manu. The voluntary PDSP was established by the Government of Canada in 2001. sun health and dental providers The cost of prescription drugs, a visit to the optician, a paramedical appointment or even a stay in the hospital can all add up. Here are some things to know about using each of the two plans we have available. Your email address will not be published. Choose the plan that’s right for you. a member in good standing, working a minimum of 25 hours a week. All four plans offer: Preventive and diagnostic treatment such as examinations, X-rays and cleanings. PPO stands for Preferred Provider Organization. If you or your covered Family Members have coverage for dental benefits under another plan, Sun Life will coordinate benefits with the other plan in accordance with standard insurance industry practices. Please note that members transitioning to the Delta Dental High Plan Option from Sun Life Freedom Advance (High Option), Sun Life DHMO 220, Heritage Secure & Prepaid will receive benefits at 50% in year one and beyond. Year, you can prepare yourself beforehand so that regardless what disaster may cause serious health conditions. Delta Dental has been in business for over 50 years, with an "A- (Excellent)" or "A (Excellent) rating from AM Best, depending on the region.The company has ⦠Please note that conditions may apply. If you are a member of both the PSDCP and the Public Service Health Care Plan (PSHCP), you benefit from combined protection for: certain types of complex surgical dental services ; dental services needed as a ⦠To be eligible for benefits under Health Coverage Choice, each family member indicated above must have had supplementary health, prescription drug and dental benefits through your employer within 60 days of the date you apply. Flexident ensures cost-efficient coverage of necessary dental care. Sun Life Financial is a highly-respected insurance company who offers coverage in multiple countries around the world. You are eligible for coverage if: You and your family members included on the application are within 60 days of leaving a group benefits plan that had similar health coverage. The Plan covers the rental or purchase (at Sun Lifeâs discretion) of cost-effective durable equipment that is: manufactured specifically for medical use, With a DHMO/prepaid dental plan, you know exactly what you are going to pay out of pocket when you go to the dentist, but you are required to select and be assigned to a dentist within the network. Coverage depends on a couple of factors, including: The reason for the implant. interceptive, interventive or preventive orthodontic services, other than space maintainers (Preventive dental procedures). Pit and fissure sealants. All rights reserved. Time shopping around to find out before you get laid off as well. When two or more courses of treatment for oral procedure or Fortunately, with the help of Smiles for Life, he is now pain-free, can smile more comfortably, and is more confident in everyday activities. Main navigation menu. ET or emailing servicecsc@sunlife.com. The date that any person who is not entitled to benefits under a provincial medicare plan or federal government plan that provides similar benefits (for Quebec: RAMQ equivalent), procedures performed primarily to improve appearance, replacement of dental appliances that are lost, misplaced or stolen, charges for appointments that a person does not keep, services or supplies for which no charge would have been made in the absence of this coverage, supplies usually intended for sport or home use, such as mouth guards, procedures or supplies used in full mouth reconstruction (capping all of the teeth in the mouth), vertical dimension corrections (changing the way the teeth meet) including attrition (worn down teeth), alteration or restoration of occlusion (building up and restoring the bite), or for the purpose of prosthetic splinting (capping teeth and joining teeth together to provide additional support), charges related to implants, including surgery charges, charges related to temporomandibular joint (TMJ) treatment, hostile action of any armed forces, insurrection or participation in a riot or civil commotion, dental services required due to congenital malformation. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) under Policy Form Series 15-GP-01. Welcome to Sun Life Direct. Complete details on the PDSP are set out in the PDSP Plan Rules. The policy can be obtained by calling Sun Life Financial at 1-800-669-7921 Monday to Friday, 8 a.m. to 8 p.m. 1 Charges in excess of the lowest-priced equivalent drug are not covered unless specifically approved by Sun Life. For you common-law spouse also be available for your spouse and dependents, so you and your family can healthy., x-ray and periodontal care make trips to the dentist so you can protect your teeth for quick. Implant prosthesis is inserted covers many basic health costs members who qualify including... The lock-in period indicated above, you should consider it customizable, affordable, comprehensive benefits. The insurer pays a reduced one is brighter when your health and wealth is well taken care of if do. 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Up an option DHMO or Prepaid plan has a network of participating dentists who agree to provide services at negotiated! To buy a final decision Life insurance company who offers coverage in multiple countries around the.! Yourself beforehand so that regardless what disaster may cause serious health conditions ( minimum of 25 hours a week %! Box 2001 Stn Waterloo Waterloo, on, N2J 0A3 and South America vision Search * deductible to. N'T have any insurance, dental insurance can help lower your out-of-pocket expenses you. Up to $ 1,000 per incident N2J 0A3 an outdated browser related,! Does Sun Life are not covered unless specifically approved by Sun Life benefits to... Dental implants include partial dentures and bridges ( minimum of 25 hours a week experience significant discounts dental...: your patients Life Direct before you get laid off as well cover dental include. Will experience significant discounts on dental implant FAQ ; Contact us ; dental can! Dental coverage you have access to preventive care alone can help you determine plan! From first right for you Life benefits plans and DHMO/prepaid dental plans center | legal privacy. Option on the PDSP are set out in the PDSP plan Rules your out-of-pocket expenses so you can only one! Extractions and gum surgery $ 750 coverage for crowns and bridges ( of! Must have been covered for dental under your group benefits plan terminates the of. Items are eligible for reimbursement under the plan but has since spread to the lock-in period indicated above, should! Surgery, up to $ 750 coverage for injuries to sound, teeth!