Sun Life offers several dental insurance plans that fit a wide range of coverage needs, and they are available to you through an employer or as an individual plan. If your goal is to be able to get proper dental care while keeping your costs affordable, then here are the main types of dental insurance Sun Life provides.
Employer-Sponsored Dental Insurance
These plans are offered through work as part of a benefits package, and the costs for the plan are shared between you and your employer. Coverage is often structured into three main service levels: preventive, basic, and major care. Preventive services usually include cleanings, exams, and X-rays, and are often covered at the highest percentage of all the services. Basic services may include fillings, simple extractions, and periodontal maintenance, while major services often cover crowns, root canal therapy, and other more involved procedures. Employer-sponsored plans may also include orthodontic benefits.
Individual Dental Insurance
These plans are for those who are self-employed, retired, or for those people whose employers do not offer dental insurance benefits. You are able to purchase these directly from Sun Life, so you can select coverage that fits your personal needs and your budget. Individual plans typically follow similar coverage tiers as employer plans. You will notice a difference in the annual maximums, deductibles, and waiting periods for the individual plans compared to the employer-sponsored plans. Through individual plans, you are able to maintain consistent dental coverage no matter your employer.
Voluntary Dental Insurance
These plans are offered through employers as an add-on benefit, and unlike standard employer-sponsored plans, voluntary coverage is usually paid entirely by you. You may want to consider a voluntary dental plan if you want additional coverage beyond what your primary plan provides. You may seek voluntary dental insurance if your employer does not include dental insurance in its standard benefits package. Voluntary plans mirror traditional dental coverage structures but offer expanded benefits without having to replace your existing plan.
Supplemental Dental Insurance
These plans are designed to work alongside an existing dental policy, so you are able to get additional coverage that your primary insurance does not provide. If you are concerned about higher out-of-pocket expenses or the cost of major treatments that exceed annual maximums, then supplemental dental insurance plans may be of great assistance to you.
Family Dental Insurance
These plans bundle coverage for multiple members under one policy. You are able to have dental insurance benefits for both adults and children. Family plans can simplify benefit management by keeping coverage centralized and may offer cost advantages compared to purchasing separate policies for each family member.
Managed Care or Network-Based Insurance
These plans offer you a network of participating dental providers who agree to set fee schedules. Choosing an in-network provider can help reduce out-of-pocket costs because services are billed at pre-negotiated rates. If you prioritize managed costs over flexibility in choosing providers, then a network-based insurance plan may be the best option.
If you have more questions about Sun Life Dental Insurance or how it could help you achieve better dental health, make an appointment with the dentist to talk more about Sun Life Dental Insurance.