Assuming you are asking about dental insurance in Canada for individuals:
Most dental insurance in Canada is provided as an employee benefit through a group insurance plan at work. However, individuals can also buy dental insurance on the private market.
Dental insurance plans typically cover a percentage of the costs of dental procedures. The most common procedures, such as check-ups, cleanings and fillings, are often covered at 100%. More complex procedures, such as root canals, crowns and bridges, are usually covered at 50%.
Most dental insurance plans have a maximum dollar amount that they will reimburse per year. Once you reach that limit, you will have to pay for any additional dental work yourself.
There is often a waiting period for major dental work when you first sign up for a new dental insurance plan. This means that you may have to pay for certain procedures yourself initially, and then be reimbursed by your insurance plan after the waiting period has ended.
Dental insurance plans will also typically have a deductible, which is the amount of money you have to pay yourself before your insurance plan will start to reimburse you.
In order to get reimbursement from your dental insurance plan, you will need to submit a claim form, along with any receipts or other documentation, to your insurance company.
