Dental Benefits
Maintaining good oral health is essential for overall physical and mental well-being — beyond your teeth and gums, it can even help reduce your risk of other types of health problems such as heart disease, stroke and respiratory disorders.
Understanding Your Dental Coverage
Whether you’re seeking routine care or unexpected dental treatment, your benefits plan provides coverage to help you and your dependents maintain a healthy smile.
Before undergoing significant dental procedures or starting orthodontic treatment, it’s strongly recommended that you first ask your dental provider to submit an estimate (predetermination) to Canada Life, so that you know the amount that will be covered and how much you’ll pay out-of-pocket.
Understanding Dental Fee Guides
Your dental plan covers eligible costs up to the amount listed in the current published fee guide for the province where the service took place (subject to the reimbursement percentage and maximum).
However each dentist sets their own rates and fees. If your dentist charges more than the current provincial fee guide, you would pay the difference out-of-pocket, so it’s important to discuss this with your dentist before starting any service.
Whether you’re seeking routine care or unexpected dental treatment, your benefits plan provides coverage to help you and your dependents maintain a healthy smile.
Before undergoing significant dental procedures or starting orthodontic treatment, it’s strongly recommended that you first ask your dental provider to submit an estimate (predetermination) to Canada Life, so that you know the amount that will be covered and how much you’ll pay out-of-pocket.
Understanding Dental Fee Guides
Your dental plan covers eligible costs up to the amount listed in the current published fee guide for the province where the service took place (subject to the reimbursement percentage and maximum).
However each dentist sets their own rates and fees. If your dentist charges more than the current provincial fee guide, you would pay the difference out-of-pocket, so it’s important to discuss this with your dentist before starting any service.
Overview of Your Dental Coverage
Your CUPE EWBT dental plan covers various services without an annual deductible:
Basic Services
Eligible services are covered at 100% reimbursement, up to $2,500 per person per benefit year:
- Recall exams (cleaning, polishing, fluoride) are covered once every 9 rolling months for adults and once every 6 rolling months for children under age 19.
- Scaling and root planing are limited to 10 units (combined) per person per 12 rolling months.
- Coverage also includes x-rays, fillings, oral hygiene instruction (once per lifetime), denture maintenance, oral surgery, sealants, and periodontic and endodontic services. Inlays are covered up to the eligible cost of a filling.
Major Services
Eligible services are covered at 70% reimbursement, up to $2,500 per person per benefit year:
- Includes onlays, bridges, crowns, and dentures.
- Replacement of bridges, crowns, or dentures is covered once every 60 rolling months.
Orthodontics
Eligible appliances and services are covered at 50% reimbursement, up to $3,000 lifetime per person. This covers adults and children over age six (6) when treatment begins.
Accidental Dental Treatment
As part of your coverage under Other Medical Services & Supplies, you have Accidental Dental Treatment coverage. This is for treatment required on sound natural teeth due to an external blow to the mouth.
Important Coverage Notes
- Cosmetic services, veneers, implants, and treatment of TMJ disorders are not covered. Inlays are covered only up to the eligible cost of a filling.
- The benefit year runs from September 1 to August 31.
- Basic and Major Services each have a $2,500 maximum per benefit year.
- Orthodontic benefits have a lifetime maximum of $3,000, adjusted for any previous claims history. You may not be entitled to the full amount if you had orthodontic claims paid through a prior insurer or plan. Contact Canada Life to confirm coverage before starting treatment.
Need Your Benefits Card?
We’ve gone digital! Log in to My Canada Life at Work to view or print your card.
Have Questions About Your Coverage?
Refer to your Benefits Booklet for detailed coverage, limitations, and exclusions.
For specific inquiries or to check your orthodontic claims history, contact Canada Life.