What is Dental Insurance?

As with any other insurance, it is very essential to have dental insurance too. You never know when you have to go in for expensive dental treatments like root canal treatment or some such procedure. Some Canadian insurance companies offer preferred insurance policies with medical and dental insurance also covered with just a few health questions answered yes or no. No visit to the doctor is required. Such is the prevalence and convenience of health insurance in the developed world. One of the leading organizations providing health insurance is the CPP and that too at the best possible rates. Websites like healthquotes.ca offer Canadians a chance to view the available options online and select a service provider with no hassles or expenses. Just log on, collect the relevant information, do a comparison study and make the decision. It is that simple!!

Not many Canadians are aware that there are insurance policies that can be availed of even after losing one’s job; they are called follow-me insurance and are a great and economical way of retaining insurance cover even after losing your job. This is applicable for dental insurance too. For companies looking for cheaper dental coverage for all its employees, a HSA - health spending account may be a better and more viable option. Such accounts are custom made to suit Canadian companies and unlike a premium, the money is not sent to a third party but is available on the company’s books, in a separate account.

In case of necessities the money is there to take care of the emergencies. There are no restrictions on the type of organization or the amount of money that can be set aside. From the organization’s point of view, this is even better as this is set aside in pre-tax dollars and so can be legitimately claimed as expenses. For the employees’ too this is beneficial as it falls under non-taxable benefits. Thus a good health and dental insurance plan is beneficial to both the employer and his employees. This sort of HSA can be a way of having your cake and eating it too!

Though the Canadian Government is responsible for providing health care to its citizens, it does not cover dental checkups and treatments. So every citizen has to make their own arrangement for taking care of their dental check ups. Different companies offer different types of dental coverage and some of the better and comprehensive ones offer cover for dentures, root canals, extractions , fillings and crowns etc. So one has to weigh available options and then make a decision on the best possible dental insurance policy. A better policy can cover orthodontics, cosmetic dental corrections, whitening and oral prosthetics too. One has to weigh the coverage offered and the premium involved and then make a call. In Canada dental cover is available either as a group policy or as an individual policy. You might get more benefits if you negotiate individually. Alternately, you might get better rates if you negotiate as a group.