Posted by We all should already know that hunting for the best and cheapest dental insurance in Alberta must have been a lot of work and trust me it’s worth it. This is because taking care of your dental health is no longer a necessity as it can affect your overall health.
We will briefly look at 4 of the best and cheapest dental insurance you will find in Alberta. Let’s get started.
Table of Contents
How Dental Insurance Can Save You Money on Dental Treatments in Alberta
Dental insurance can be a great way to save money on your dental treatments in Alberta. With dental insurance, you pay a monthly premium to have coverage for a variety of dental procedures, including
- Cleanings
- Fillings, and
- Extractions.
The cost of these treatments can add up quickly, but with insurance, you can save a significant amount of money.
In addition, dental insurance can also help you save money on routine dental care, and also to pay up for more complex procedures like:
- Root canals
- Crowns, and
- Bridges.
These procedures can be expensive, but with insurance, you can offset some of the cost.
It’s important to note that dental insurance plans can vary in terms of what they cover and how much they cost.
Overall, dental insurance can be a great investment for your dental health and your wallet. If you can take advantage of your insurance benefits, you will save money on dental treatments and maintain good oral health for years to come
Understanding the Alberta Dental Fee Guide and How it Affects Your Dental Insurance Coverage
The Alberta Dental Fee Guide is a document that outlines the recommended fees for your dental procedures in Alberta. This guide is used by dentists to determine how much to charge you for their services, and it can also impact your dental insurance coverage.
When you have dental insurance, your coverage is based on a percentage of the fee guide. For example, if your plan covers 80% of the fee guide for a filling, and the fee guide recommends a fee of $150 for a filling, your insurance will cover $120 of the cost.
It’s important to understand how the fee guide impacts your coverage, as it can vary depending on your plan. Some plans may cover 100% of the fee guide, while others may cover only a portion.
Additionally, the fee guide can impact the cost of dental procedures if your dentist charges more than the recommended fee. In this case, you may have to pay the difference out of pocket.
Overall, Make sure you look out for the Alberta Dental Fee Guide as is an important part of managing your dental insurance coverage so you can make well-informed decisions about your dental health.
The Impact of Pre-existing Dental Conditions on Dental Insurance in Alberta
Pre-existing dental conditions are usually common and can significantly impact dental insurance coverage in Alberta. Insurance companies may exclude pre-existing conditions from coverage or limit coverage for these conditions. Some insurers may even deny coverage altogether.
However, under the Alberta Insurance Act, insurance companies are required to provide coverage for pre-existing conditions after a certain period.
So, It’s your job to review insurance policies carefully to understand how pre-existing conditions may affect coverage.
How to Choose a Dental Insurance Plan that Covers Orthodontic Treatment in Alberta
You can safely choose a dental insurance plan that covers orthodontic treatment in Alberta by:
- Comparing plans from different providers
- Evaluating the coverage for orthodontic treatment
- Considering factors such as deductibles, co-payments, and waiting periods.
- Also, consider the reputation and financial stability of the insurance provider.
How Dental Insurance Coverage Works for Orthodontic Treatments in Alberta
Dental insurance coverage for orthodontic treatments in Alberta varies depending on the policy. Some policies may cover a percentage of the cost, while others may have a fixed dollar amount or a lifetime maximum.
It is important that you review your insurance policies carefully to understand the coverage and any limitations. Orthodontic treatments are often expensive, so dental insurance coverage can make a significant difference in cost.
The Importance of Preventive Care and Dental Check-ups With Dental Insurance in Alberta
We are sure you know that preventive care and regular dental check-ups are essential for maintaining good oral health. Dental insurance coverage can help make preventive care and check-ups more affordable.
Most dental insurance policies in Alberta cover preventive care such as
- Cleanings
- Exams, and
- X-rays.
These services are usually covered at 100% or a high percentage of the cost. Regular check-ups can help detect dental problems early, which can prevent more extensive and expensive treatments later on
Dental Insurance and the Canada Health Act – What You Need to Know in Alberta
Dental insurance is not included under the Canada Health Act and is not universally available in Alberta. However, many employers offer dental insurance as part of their benefits packages.
Additionally, there are individual dental insurance plans available. It is important to understand the coverage and limitations of any dental insurance policy in Alberta.
Alternatives to Dental Insurance in Alberta
If you’re looking for alternatives to dental insurance in Alberta, Some of the options available to you include:
- Discount plans
- Payment plans, and
- Government programs
One option is a dental Discount plan, which is a membership program that offers you discounts on dental treatments at participating dentists. These plans typically require an annual fee and offer discounts ranging from 10-60% off the cost of dental care.
Another alternative to dental insurance is a Payment Plan offered by your dentist. Many dental offices offer financing options that allow you to pay for your dental treatments over time.
These plans may require a credit check and may include interest or fees, but they can be a good option if you need dental work but can’t afford to pay for it all at once.
Finally, there are Government Programs in Alberta that can help low-income families access dental care.
These programs vary depending on where you live and your income level, but they may offer free or low-cost dental services to eligible individuals.
While dental insurance can be a good investment, it’s not the only option for accessing affordable dental care. By exploring these alternatives we have provided, you can find a solution that works best for your needs and budget.
The 4 Best and Cheapest Dental Insurance in Alberta
Here are the 4 Best and Most Affordable Dental Insurance in Alberta:
- SBIS
- Alberta Blue Cross
- AMA Insurance
- Student Insurance
#1. SBIS
SBIS has over time provided really affordable dental insurance plans to the people of Alberta and this has really helped to minimize out-of-pocket expenses.
They have been recognized over time as one of Canada’s leading dental health insurance agencies. They also have well-experienced dental insurers with a minimum of 20 years of experience in this field.
SBIS Health and Dental offers 3 plans, namely:
- Prism Spectra
- Prism Precision
- Prism Continuum
Feel free to learn more about SBIS plans.
#2. Alberta Blue Cross
Alberta Blue Cross is currently one of the Best Health and Dental Insurance in Alberta.
Alberta blue cross provides very Flexible and affordable plans for you if you fall into any of these categories:
- Student
- Retiree
- Self Employed
- Working part-time or
- On contract.
Alberta Blue Cross served over 1.8 million members with quality health and dental insurance plans small and large employer group plans.
This alone has made them one of the largest dental insurance providers in Alberta.
They have also been well-recognized as an insurer who has delivered quality service and competitive benefits for over 70 years.
You may love to know the 6 Best Health and Dental Insurance in Alberta
You can learn more here.
#3. AMA Insurance
AMA has reputably worked so hard since 1938 to provide the best dental insurance plans for the people of Alberta. With the help of their Life & Health Advisors, they have been able to consistently provide helpful dental insurance plans and services over time.
These Advisors will use their decades of expertise and personal experience to provide solutions to your needs. And the Good news is that their plans are one of the cheapest dental insurance in Alberta.
AMA also offers Extended health and dental coverage and this coverage gives you access to:
- Routine dentist appointments
- Coverage for prescription drugs
#4. Student Union
This would be a really great opportunity for you if you are a student of the University of Alberta as this plan was created to help undergraduate students pay for their dental health services.
SU created some partnerships with Studentcare in order to provide you and other students with the best and most affordable extended health and dental coverage.
This package provides coverage for:
- Up to 75% for prescription drugs to a maximum of $10,000 per policy year
- 100% for vaccinations, up to $150 per policy year
- Up to $650 in dental care (checkups, cleanings, fillings, extractions, endodontics, periodontics, etc.)
- Ambulances, dental accidents, medical equipment,
- and others that cover health matters like Vision then travel insurance.
Frequently Asked Questions
A pre-existing dental condition is simply a dental issue that existed before you purchased your dental insurance. Some dental insurance providers may not cover pre-existing conditions, if they will, they may impose a waiting period before covering them or they offer at a higher premium.
We recommended that you get a dental check-up every six months. Most dental insurance plans in Alberta cover preventive care, such as regular check-ups, cleanings, and X-rays.
Yes, self-employed individuals and small businesses in Alberta can purchase dental insurance. There are many options available, including group plans and individual plans, depending on your needs and budget.
Yes, many dental insurance plans in Alberta offer coverage for orthodontic treatments, such as braces or Invisalign. However, coverage and the amount covered can vary depending on the plan, so it's important you check. What is a pre-existing dental condition, and how does it affect dental insurance coverage in Alberta?
How often should I get a dental check-up with dental insurance in Alberta?
Can self-employed individuals and small businesses in Alberta purchase dental insurance?
Does dental insurance in Alberta cover orthodontic treatments?
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Conclusion
There is just so much to gain from having dental insurance plans that suit your needs and meet your budget rightly. You will only get this by taking action to compare the plans we have listed for you above.
Take action today!
Cheers!