Family dental insurance

OHIP doesn’t cover any of the cost of routine dental treatment. That’s why dental insurance plans exist – to help people save on the costs of maintaining proper oral health not covered by governmental medical insurance. Have confidence in knowing that you and your family are well protected with dental coverage.

Dental insurance for the whole family

Visiting the dentist regularly is an important part of oral care. To help reduce the risk of cavities and gum disease, all dentists recommend the following:

• Brush your teeth twice a day with fluoride toothpaste
• Clean between teeth daily
• Eat a healthy diet
• Visit the dentist twice a year

Dental insurance can help make it easier and less expensive for you to visit the dentist regularly and take good care of your oral health.

Oral health is important in all stages of life. Children, adults and seniors require proper dental care and should visit the dentist regularly. While it is recommended that we visit the dentist twice per year, many Canadians do not go as frequently as they should, often because they do not have adequate dental insurance.

Dental insurance can help offset the expenses of common dental treatments and oral surgery that OHIP does not cover. Have peace of mind in knowing that if an unforeseen dental issue arises, you can go to the dentist to get proper treatment without an expensive dental bill. There are a variety of affordable and flexible health insurance plans for you and your family. Many plans have no deductible, making the coverage ideal for anyone who does not have group insurance.

How long can children stay on their parents’ insurance?

Many dental plans allow children to remain on their parents’ insurance until age 26, usually, whether you’re living at home, a student, married, or not. This goes for both health insurance and dental insurance. That means you’ll stop receiving dental benefits from your parents’ plan on your 26th birthday. However, some dental insurance plans do not cover a child after age 19.

In some cases, a child can stay on their parents’ insurance until 30. Dependents aged 26 to 30 can still receive coverage if they are enrolled in school full-time and submit verification of full-time student status. Also, disabled dependents can remain on their parents’ policy even after age 30, with written verification that they are unable to support themselves.

Importance of dental insurance for young adults

Though cavities are largely preventable, over 90% of adults have cavities or some degree of tooth decay. Dental problems can even affect you professionally. According to a 2022 study, decaying teeth and gum problems made 28% of young adults say the appearance of their mouth and teeth undermines their ability to interview for a job.

Even for young adults on a budget, dental insurance can be worth it. As a young adult starting out on your own, the last thing you need is a major dental expense you can’t afford. Dental insurance can help ease that financial burden. Dental insurance helps you keep your teeth and gums healthy while helping to minimize the cost of regular dental care.

If your parents let you stay on their dental insurance plan as a dependent, you may continue receiving dental coverage at a lower rate than if you were to enroll in a dental insurance plan on your own.

Canada Dental Benefit

Free dental care for Canadians is on the way. A national dental-care benefit is now law.

This new federal government dental plan for uninsured Canadians aims to provide dental care coverage for middle-income and low-income Canadians. The Canada Dental Benefit is being phased in over 3 years, starting on Dec. 1, 2022 with children under the age of 12.

The Liberals have promised that the program will expand to under-18-year-olds, seniors, and people living with a disability in 2023. By 2025, it would be available to all Canadian families with incomes of less than $90,000 annually, with no co-pays for anyone earning less than $70,000 annually.