Group Dental Insurance
Dental coverage is one of the most valued employee benefits. Group dental plans encourage preventive care, catch problems early, and show your team that their well-being matters.
Smiles That Show You Care
What is group dental insurance?
Dental coverage is one of the most valued employee benefits. Group dental plans encourage preventive care, catch problems early, and show your team that their well-being matters.
Quick Reference
Is this right for you?
Businesses wanting valued benefits
Full coverage for cleanings, exams, and x-rays encourages employees to maintain their oral health with regular checkups.
Companies with family-oriented workforce
Coverage for fillings, extractions, and other basic dental work when problems arise.
Employers seeking retention tools
Help with expensive procedures like crowns, bridges, dentures, and root canals.
Organizations with dental fee guide budgets
Extend dental benefits to employee spouses and children, adding significant value to your benefits package.
Businesses expanding benefits packages
Explore this coverage option.
Companies replacing outdated plans
Explore this coverage option.
How it works
Benefit Assessment
Determine which dental services matter most to your workforce and set appropriate coverage levels.
Plan Structure
Choose coverage percentages, annual maximums, and whether to include orthodontic benefits.
Fee Guide Selection
Select the dental fee guide year that balances comprehensive coverage with cost management.
Implementation
We handle enrollment and ensure employees understand how to use their dental benefits.
What to expect
What This Covers
- Preventive care (exams, cleanings, x-rays)
- Basic restorative (fillings, extractions)
- Major restorative (crowns, bridges)
- Endodontics (root canals)
- Periodontics (gum treatments)
- Orthodontic coverage options
- Dental accident coverage
- Recall exam frequency options
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
Basic dental includes fillings, extractions, and simple procedures. Major dental covers more complex work like crowns, bridges, dentures, and root canals. Plans typically cover basic at higher percentages (80-100%) than major (50-70%).
Provincial dental associations publish suggested fee schedules. Plans reimburse based on a specific year's guide. Using a recent fee guide means higher reimbursements but higher premiums. We help you find the right balance.
Orthodontics is typically an optional add-on. When included, it usually covers 50% of braces costs up to a lifetime maximum of $2,000-$3,500 per person.
Most plans allow two cleanings per year (every 6 months). Some plans offer flexibility for employees who need more frequent cleanings due to gum disease or other conditions.
Yes, employees can visit any licensed dentist. There are no restricted networks with most Canadian group dental plans. Reimbursement is based on the fee guide, regardless of what the dentist charges.
Let's discuss group dental insurance.
Reach out for a private consultation — no obligation.