Posted by There are several great dental insurance in Newfoundland, and this has posed a problem to those who want to get a plan best suited for their dental needs and budget.
We have done our research and put together a beautiful list of the 6 best dental insurance plans in Newfoundland for 2023. This is to help you solve your problem of choice in a short time! Enjoy!
Table of Contents
Understanding Dental Networks in Newfoundland
When you’re choosing dental insurance in Newfoundland, understanding dental networks is crucial. Dental networks consist of dentists and dental specialists who have contracted with an insurance provider to offer services at negotiated rates.
Providers may have their networks or utilize existing networks. You must select a dental insurance plan with a robust network that includes dentists conveniently located near you.
Having a broad network ensures greater choice in selecting a dentist and helps maximize the value of your dental insurance coverage.
Therefore, before finalizing a plan, review the provider’s network directory or contact their customer service to ensure that your preferred dentists or specialists are included.
See the 10 Best Dental Insurance in Saskatchewan
Average Cost of Dental Treatment in Newfoundland
In Newfoundland, the average cost of a dental checkup is $100, and the average cost of a filling is $150. These costs can be even higher for more complex procedures, such as root canals and crowns.
There are several factors that can affect the cost of dental care, including:
- The type of procedure
- The dentist’s fees, and
- The location of the dentist’s office.
In general, dental care is more expensive in urban areas than in rural areas.
You may love to know the 7 Best Dental Insurance in New Brunswick.
Factors to Consider When Choosing Dental Insurance in Newfoundland
When selecting dental insurance in Newfoundland, here are some factors that should be taken into account to ensure the best coverage for your needs:
- Evaluate coverage options
- Assess Cost
- Check location
- Consider waiting periods and annual maximums.
1. Evaluate Coverage Options:
Consider the range of services covered, such as preventive, basic, and major procedures, as well as orthodontics and cosmetic dentistry.
2. Assess Cost:
Expenses like; premiums, deductibles, and copayments associated with each plan to find a balance between affordability and coverage.
3. Check Location:
Review the network of dentists and their locations to ensure convenient access to quality dental care.
4. Consider Waiting Periods and Annual Maximums:
To get the best for yourself, you should consider waiting periods and annual maximums and how each will affect the effectiveness of the plan you get.
If you can carefully consider these factors, you will surely choose a dental insurance plan in Newfoundland that aligns with your budget and meets your oral health needs.
Check this out – 12+ Best Dental Insurance in Nova Scotia
Types of Dental Insurance Plans In Newfoundland
In Newfoundland, different types of dental insurance plans are available, and each has its advantages and considerations. These plans are:
- Indemnity plans
- Preferred Provider Organizations (PPOs)
- Health Maintenance Organizations (HMOs)
#1. Indemnity Plans:
They offer the most flexibility, which allows you to visit any dentist of your choice, but they may have higher premiums and out-of-pocket costs.
#2. Preferred Provider Organizations (PPOs):
This provides a network of dentists who have agreed to discounted rates, offering cost savings while still allowing some flexibility in choosing providers.
#3. Health Maintenance Organizations (HMOs):
This plan often has lower premiums and fixed copayments but requires you to select a primary dentist from their network.
Dental Coverage Options In Newfoundland
Dental insurance plans in Newfoundland typically offer a range of coverage options.
Preventive care is commonly covered and includes:
- Regular check-ups
- Cleanings, and
- X-rays.
Basic procedures like
- Fillings
- Extractions, and
- Root canals may also be covered.
Major procedures such as
- Crowns
- Bridges, and
- Dentures are often included but may have specific coverage limits or waiting periods.
Orthodontic coverage for
- Braces or
- Aligners vary among plans
Cosmetic dentistry treatments like
- Teeth whitening or
- Veneers.
When choosing dental insurance, you have to carefully review the coverage options for each plan to ensure it aligns with your specific dental needs in Newfoundland.
6+ Best Dental Insurance in Newfoundland
Here are the 6 best dental insurance in Newfoundland:
- Blue Cross Newfoundland & Labrador
- CAA Health and Dental
- Wade Abbott Dentistry
- CanadaLife
- Memorial University of Newfoundland Dental Plan
- Munsu Dental Plan
#1. Blue Cross Newfoundland & Labrador
Blue Cross has been providing helpful health insurance services for the past 75 years in Canada.
They provide you with these dental insurance plans through Medavie Blue Cross. You can access their individual, family, and group plans with them.
#2. CAA Health and Dental
Coverage Feature: Health and Dental Insurance
CAA Atlantic serves Newfoundland & Labrador and other Canadian provinces’ health and dental insurance plans.
This CAA Health & Dental Insurance plan can help you reduce your payments for dental services as well as other common expenses like:
- Dental care
- Prescription drugs, and
- Eye exams many others.
From our research, you can customize your plan based on your lifestyle and pay only for what you need, within your budget. Great!
Feel free to check them out.
#3. Wade Abbott Dentistry
Do you live in Newfoundland and Labrador? If yes, then do you have a valid MCP number? If you don’t, then please get one.
Every resident of Newfoundland and Labrador who has a valid MCP number automatically has access to dental coverage.
If you are a New resident of NL, then you will be subjected to a 3-month waiting period after the new MCP cards are issued to you.
Below is the category of persons that can be eligible for this MCP dental coverage:
- Children under the age of 13
- Children aged 13-17 are covered under Income Support
- Children aged 13-17 are covered by Low Income Support
- Adults covered under Income Support
Use this button to get more details about this plan
#4. CanadaLife
CanadaLife is an insurer that also offers you the Newfoundland and Labrador Medical Care Plan (MCP) which is the provincial plan for all residents. As we said earlier, they will provide you with dental coverage.
As we said earlier, to be eligible:
- You must be lawfully entitled to be or remain in Canada
- You must make your home in the province.
- You also have to be ordinarily present in Newfoundland and Labrador as tourists are not eligible.
#5. Memorial University of Newfoundland Dental Plan
Coverage Feature: Health and Dental Insurance
The Memorial University of Newfoundland offers a Student Health and Dental insurance plan on an annual basis.
If you are a student of the Memorial University of Newfoundland, you can enroll in this plan for the fall and winter semesters so you can be covered for the period from September to August.
If you’re not registered for both semesters, you can check with the GCSU for information regarding your status in the health plan.
Feel free to check them out.
#6. Munsu Dental Plan
Coverage Feature: Health and Dental Insurance
This is a group health and dental insurance coverage provided by Green Shield Canada and offered to its members through the student union. This plan ensures that all students have access to the dental health services they need.
Here is the category of students eligible for this health and dental insurance plan in Newfoundland:
- Full-time domestic students
- Part-time students
- Work term students
- International students, and also
- The couple and Family coverage
Use the button to check them out.
Frequently Asked Questions
[sc_fs_multi_faq headline-0=”h3″ question-0=”How do I find a dentist within the dental insurance network?” answer-0=”Most dental insurance providers in Newfoundland have an online directory or a customer service helpline that can assist you in finding dentists within their network. Simply visit their website or contact their customer service to obtain a list of dentists near your location who accept your insurance.” image-0=”” headline-1=”h3″ question-1=”Can I use dental insurance for cosmetic dentistry procedures?” answer-1=”The coverage for cosmetic dentistry procedures depends on the dental insurance plan. some plans may provide limited coverage for cosmetic procedures like teeth whitening or veneers, while others may not cover them at all.” image-1=”” headline-2=”h3″ question-2=”What should I do if I have a dental emergency?” answer-2=”Contact your dental insurance provider or refer to your policy documentation for guidance. Many dental insurance plans have provisions for emergency dental care. They may have a helpline or a list of emergency dental clinics where you can seek immediate treatment.” image-2=”” headline-3=”h3″ question-3=”Can I use dental insurance for pre-existing dental conditions?” answer-3=”Dental insurance providers in Newfoundland handle pre-existing dental conditions differently. Some plans may exclude coverage for pre-existing conditions for a certain period, while others may offer coverage with specific limitations or higher premiums. ” image-3=”” count=”4″ html=”true” css_class=””]
Important Recommendations
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- 7+ Best Health and Dental Insurance Plans in Ontario
- 6+ Best Health and Dental Insurance in Alberta
- 4+ Best Dental Insurance in Quebec
Conclusion
If you’re looking for dental insurance in Newfoundland, we hope this blog post has helped you find the perfect plan for yourself. Remember, your smile is important, and dental insurance can help you keep it healthy and beautiful.
Let’s hear from you as you explore the various plans.
Cheers!