How to Compare and Choose the Perfect Dental Insurance in Canada

The side hustle economy has increased so much in Canada that many people no longer enjoy employer-issued health insurance. What this means is that many have to look for insurance companies on their own.

If you’re among those affected, it could be better to learn about available insurance options before you settle for any.

Even if you have a health cover courtesy of your employer, you can still shop around for an option that better suits your needs or one that supplements what is already provided for you.

Here are a few things to consider when comparing and choosing perfect dental insurance in Canada.

Are You Eligible?

An insurance plan may look quite appealing, but you may not be eligible for it.

So, the first step is to review carefully the eligibility requirements before you start filling in your details. And in case you find one that you are eligible for, review it with your dentist before you make a final decision on the plan.

What Does It Cover?

Different plans cover different products and services. Some only cover certain treatments and partially cover others or exclude them altogether.

For instance, some plans cover major services such as dentures, crowns, and root canals while others only cover basic procedures such as fillings, X-rays, and cleanings.

You don’t need an insurance cover that does not cover your dental need and your budget.

When Will the Benefits Begin?

Before you choose an insurance plan, find out whether you will be able to start enjoying the benefits immediately or you will have to wait for a certain period of time.

Some insurance companies have a waiting period before their clients become eligible for coverage and this may not be good for you if you need an immediate cover.

However, there are also some major services that are usually not covered until you pay premiums for at least three years. Take note of different waiting periods before you settle on a plan.

How Much Does It Cost?

The total cost of the insurance cover is the sum of the monthly premium and the amount of deductible where applicable.

If an insurance company has a deductible amount, it means you have to pay the total cost of your dental care expenses until you meet the deductible. After that, you may again have to pay a part of your bill as coinsurance or co-payment for your treatment.

Canada insurance quotes usually have all the information about premiums, deductibles, and co-payments/co-insurances. Ensure you compare these figures for different companies before you choose one.

What Maximum Amount can the Insurance Company Pay Towards Your Treatment?

Insurance companies usually don’t pay unlimited amounts for your treatment, so you also need to compare the maximum values each insurance company can pay towards your treatment.

Conclusion

Getting the right insurance cover involves a lot with the most important being your eligibility, what the insurance covers, and its cost.

If you can’t make a choice on your own, then you can engage the services of an insurance broker to help you in this process. The input of your dentist is also necessary because he will help you determine which services you need most.