Dental insurance coverage pays some of the costs associated with preventive, basic, or major dental care. Having Sun Life dental insurance can be helpful in managing your dental care costs. That is because it helps make sure you will have benefits to cover some of the care you need.
When you are searching for a plan that is best for your needs and your budget, Sun Life dental plans include a variety of options to fulfill your needs.
How to Get Sun Life Dental Insurance and What Does It Cost
Sun Life dental plans include several dental plans designed to fit any budget.
The plans all have different payment levels. Your personal costs will depend on the amount of coverage you choose. There are budget-friendly plans that cover just the basics and more comprehensive plans that include more services. The costs to consider when you are choosing a plan include premiums, deductibles, coinsurance, and copays.
What Do Most Dental Plans Cover
Most dental plans provide coverage for preventive care such as routine exams, cleanings, and X-rays. Some plans might require a copay for preventive services, while others will cover those services at 100%. Many dental plans will also include coverage for basic services such as fillings and extractions, and major services like root canals, dental crowns, and more.
Many dental insurance plans have a maximum benefit, which is a limit to the amount or number of procedures they will pay in a year. For Sun Life dental plans, there is an annual maximum from $1,000 to $3,000, based on your plan.
- Preventive Care- Preventive care is most often covered with no deductible or waiting period.
This includes routine cleanings and fluoride treatments for those under the age of sixteen on the plan.
- Basic Services- This usually includes simple fillings or emergency treatment for dental pain, subject to your deductible and coinsurance.
- Major Services- This may include retainers and root canals. These are often subject to the plan’s deductible, coinsurance, and waiting periods.
- Access to a Wide Dental Network- You can choose from a variety of dental providers. This often includes dental offices in private and retail settings.
- Direct Payment to In-Network Dentists- Easy-to-manage payment system. No need to submit any claim forms.
- No Age Limits- There are coverage options available for every member of your family. If you are on Medicare, which does not include dental benefits, Sun Life has plans designed specifically for seniors.
What is The Difference Between Network and Out-of-Network Dentists
The primary difference between network and out-of-network dentists comes down to two elements: cost and convenience.
Network dentists have agreed with Sun Life to accept a lower negotiated rate on services. This simply means you pay less before your insurance company pays for anything. When you use network providers, you usually do not have to submit claims yourself. The dental office manages the paperwork.
Out-of-network dentists are not held to negotiated rates and could charge more.
Choosing a network dentist helps make your dental care more affordable. Review your specific plan to understand the difference. Before you finalize a dental plan, check the network dentists near you. If you already have a family dentist, confirm they are part of the Sun Life plan network.
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