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Dental Coverage - What Might Be Covered?
Plans cover eligible expenses charged by a dentist based on the
current General Practitioners Fee Schedule for your home province.
Benefits are usually subject to a calendar year deductible of
$50 per insured person to a maximum of $100 per family and or
a coinsurance normally 80% for Basic Dental Care and 50% for Major
Dental Care, if included.
Benefits can be limited to a maximum of $1,500 or usually less
for each insured person per calendar year.
This a sample of what a plan may cover:
80% of the cost of Basic Dental Care:
- Diagnostic services (e.g., examinations, x-rays)
- Preventive services (e.g., fluroide treatment, cleaning and
polishing)
- Minor restorative expenses (e.g., fillings, stainless steel
crowns)
- Endodontic services (e.g., root canals)
- Periodontic services (e.g., treatment for gum diseases)
- Oral surgery (e.g., extraction of impacted wisdom teeth)
50% of the cost of Major Dental Care:
- Crowns
- Dentures
- Bridgework
If you terminate your insurance within the first year you may
be subject to contractual conditions that may surprise you. For
example if one buys coverage and uses the same and then cancels
after many bills have been paid shortly after obtaining the plan
some companies will make you pay back the money or at least pay
premiums for one year. It sounds odd but companies have to protect
themselves from misuse of the plan. Read the fine print or better
yet work closely with your advisor as they can consult you best.
Some limitations, maximums, and exclusions apply. Contact your
insurance representative Wise Financial Group Inc. @ 1-877-779-4731.
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