Supplementary dental insurance
Dental care represents a significant part of the health budget. Supplementary dental insurance helps cover exams, cleanings, basic care, and some more costly treatments depending on the plan chosen.
What the coverage can include
- Routine exams and cleanings.
- Basic care (fillings, simple extractions, cavity treatments).
- Some prosthetics or more specialized treatments depending on the policy.
Complement your existing coverage
Supplementary dental insurance often adds to a group or public plan. It helps reduce out-of-pocket costs and access preventive care more easily, which can avoid heavier interventions in the long run.
Example — Louise, 40, no group dental plan
Needs: regular cleanings, fillings, possibly a crown or root canal; reduce unexpected out-of-pocket costs.
Illustrative enhanced dental plan
| Care type | Reimbursement |
|---|---|
| Exams / cleanings | 80 % |
| Fillings | 80 % |
| Root canal | 70 % |
| Crowns | 50 % |
| Annual maximum | 1 500 $ |
| Deductible | 50 $ |
Indicative premium: about $95–$130/month depending on insurer and plan level.
Sample reimbursement
Bills: cleaning $250, filling $400, crown $1,200 — total $1,850.
- Cleaning 80% → $200
- Filling 80% → $320
- Crown 50% → $600
- Total reimbursed ≈ $1,120 — Louise pays ~$730 instead of $1,850.
At $110/month ($1,320/year), if she receives ~$1,100 in reimbursements, the plan can be very worthwhile.