Is Desjardins Dental Insurance Worth It? Review 2024
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Discover the methodologyWhether considering dental coverage for yourself or your loved ones, Desjardins Dental Insurance offers health and dental insurance plans that suit every need.
They are designed to assist you in managing the costs of preventive care, basic services, and major dental procedures. But is it the right choice for you?
So, let's take you through the coverage, pros, cons, and costs of Desjardins Dental insurance. You can then use our comparator to compare plans from other providers and get free dental insurance quotes to decide if Desjardins is the right fit for you or if there's another policy that suits you better.
Desjardins Dental Insurance Canada: 5 Key Takeaways
- Desjardins Dental Insurance Canada offers flexible plans with affordable premiums.
- The premiums will vary based on plan selection, age, and location.
- Coverage includes preventive care, essential services, and major dental procedures.
- Exclusions may apply to cosmetic procedures, orthodontics, pre-existing conditions, and out-of-network expenses.
- Compare plans and get free quotes using our HelloSafe comparator.
Our 2024 review of Desjardins Dental Insurance Canada
Desjardins Dental Insurance in Canada offers affordable plans with flexible coverage, making it ideal for individuals and families seeking dental care. It covers preventive care, basic services, and major procedures, reducing out-of-pocket expenses.
Their comprehensive Desjardins health and dental insurance options offer peace of mind for medical, optical, and alternative medicine costs. While dental care is offered as part of its standard health insurance plans, additional coverage can be purchased as an add-on.
However, it may not cover cosmetic procedures, have waiting periods for major treatments, or be as comprehensive as some other plans. It's best for those looking for budget-friendly dental coverage, but not for those seeking extensive cosmetic or orthodontic benefits.
If you would like to see how Desjardins fares with respect to other health and dental insurance options, you can do it right here using our comparator below. You can compare plans and get free personalized quotes from multiple providers in just seconds.
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Pros of Desjardins health and dental insurance
- Affordable premiums
- Flexible benefit levels
- Easy online enrollment and claims filing
- Wide network of dentists
Cons of Desjardins health and dental insurance
- Deductibles and copayments may apply
- Some plans have waiting periods for major procedures
- Coverage may not be as comprehensive as other plans
- Online quotes are not available
Good to know
It is important to note that you must be covered by your provincial healthcare plan like the Ontario Health Insurance Plan or the MSP in BC, to be eligible for Desjardins insurance dental coverage.
What does Desjardins dental insurance cover?
The specific coverage you receive with Desjardins dental insurance will depend on the plan you choose. You will have to fill up a form on the website to get the exact terms of the coverage. However, most plans cover the following:
- Preventive care: 100% coverage for cleanings and exams, and up to a certain dollar amount for fluoride treatments and sealants.
- Basic services: 80% coverage for fillings, extractions, and root canals.
- Major procedures: 50% coverage for crowns, bridges, and dentures.
Some plans may also cover orthodontics, whitening, and other procedures.
Here is a table of the coverage for some common dental procedures under a typical Desjardins health and dental insurance plan:
| Procedure | Coverage |
|---|---|
| Cleaning and exam | 100% |
| Filling | 80% |
| Extraction | 80% |
| Root canal | 80% |
| Crown | 50% |
| Bridge | 50% |
| Dentures | 50% |
| Orthodontics | May be covered, depending on the plan (add-on possible) |
| Whitening | May be covered, depending on the plan (add-on possible) |
What is the cost of Desjardins dental insurance?
The Desjardins dental insurance cost varies depending on the plan you choose, your age, and your location. For example, a single-person plan with basic coverage may cost around $30 per month. A family plan with comprehensive coverage may cost around $100 per month.
Here are some factors that can affect the cost of Desjardins dental insurance:
- The plan you choose: The cost of dental insurance plans varies depending on the coverage they offer. Plans with more comprehensive coverage will typically cost more than plans with less coverage.
- Your age: The cost of dental insurance also increases with age. This is because older people are more likely to need dental care.
- Your location: The cost of dental insurance can also vary depending on your location since the cost of dental care varies from region to region.
When comparing dental insurance plans, it is important to consider all of these factors to find the best plan for you. While it may seem like a daunting process, we've made it simple for you. Use our comparator below to compare the best health and dental insurance plans in Canada and get free quotes based on your unique needs in seconds.
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What is Desjardins health and dental insurance?
Desjardins Health and Dental Insurance provides comprehensive individual health insurance plans that encompass medical, paramedical, optical, and dental expenditures for yourself, your partner, or your entire family.
Their insurance plans offer equivalent benefits to those found in group insurance policies and assist in covering medical costs not included in your provincial health insurance scheme.
Coverage includes:
- Medical and paramedical care
- Vision care
- Prescription drugs
- Dental care
- Alternative medicine
- Hospitalization
- Advanced medical services
In addition to the coverage for specific procedures, Desjardins dental insurance plans also have some other features, such as:
- Waiting periods: Some plans have waiting periods for major procedures, such as crowns and bridges. However, there are some providers that offer no-waiting period dental coverage.
- Deductibles and copayments: Most plans have deductibles and copayments. This means that you will have to pay a certain amount for each procedure before your insurance will start to pay.
- Maximum annual benefit: Most plans have a maximum annual benefit. This means that the insurance company will only pay a certain amount for dental expenses each year.
What does Desjardins dental insurance not cover?
Desjardins dental insurance has some exclusions, which are procedures or services that are not covered. Some of the most common exclusions include:
- Cosmetic procedures, such as teeth whitening or veneers
- Services performed by an orthodontist
- Treatment for pre-existing conditions
- Expenses incurred outside of the plan's network
- Expenses for emergency dental care that are not covered by your provincial health insurance plan
Other exclusions may apply, so it is important to read the plan carefully to understand all of the limitations.
Here are some additional details about some of the exclusions:
- Cosmetic procedures: These procedures are not considered to be medically necessary, so they are not covered by dental insurance. However, some plans may offer limited coverage for certain cosmetic procedures, such as teeth whitening.
- Orthodontics: The cost of braces and other orthodontic treatments is usually not covered by dental insurance. However, some plans may offer limited coverage for children or teenagers.
- Pre-existing conditions: If you have a pre-existing condition, you may not be covered for treatment for that condition until you have been enrolled in the plan for a certain amount of time. The waiting period for pre-existing conditions varies from plan to plan.
- Out-of-network providers: If you see a dentist who is not in your plan's network, you may have to pay more for your treatment. Some plans offer limited coverage for out-of-network providers, but you should check with your plan to find out the details.
Why do you need dental insurance?
Dental insurance is important because it can help you afford the cost of dental care. Dental care can be expensive, and even a routine checkup and cleaning can cost hundreds of dollars. Dental insurance can help to offset these costs by paying for a portion of your dental bills.
More importantly, it makes up for the gaps left by provincial healthcare like the Medical Services Plan or the Alberta Health Care, most of which do not offer comprehensive dental coverage.
Here are some of the benefits of having dental insurance:
- Reduces out-of-pocket expenses: Dental insurance can help to reduce your out-of-pocket expenses for dental care. This can be especially helpful if you need major dental work, such as a root canal or crown.
- Covers preventive care: Most dental insurance plans cover preventive care, such as cleanings and exams. This is important because preventive care can help to prevent more serious dental problems.
If you're new to insurance and you'd like to look at health and dental insurance plans from Canada's best providers, you can do it right here using our comparator tool below. You can compare multiple plans and get free tailor-made quotes in seconds.
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How to get cheap dental insurance Canada plans?
Here are some tips on how to save cost on dental insurance:
- Shop around and compare plans: There are many different dental insurance plans available, so it is important to compare plans to find the best one for you. Use our HelloSafe comparator for the same and get quotes in seconds.
- Consider your needs: When comparing plans, it is important to consider your dental needs. If you have a lot of dental work that needs to be done, you will need a plan with a higher coverage level.
- Look for discounts: Some dental insurance plans offer discounts for things like paying your premiums in full or signing up for automatic bill pay.
- Choose a high-deductible plan: High-deductible plans have lower premiums, but you will have to pay more out-of-pocket for dental care. However, if you don't expect to need a lot of dental work, a high-deductible plan can save you money.
- Consider a dental savings plan: Dental savings plans are not insurance plans, but they can help you save money on dental care. Dental savings plans work by giving you discounts on dental services at participating dentists.
How to contact Desjardins dental insurance?
The Desjardins dental insurance phone number depends on where you're from. They have a dedicated Desjardins dental insurance contact number based on what your requests are as well.
You can get an advisor to call you by filling up a form under their health and dental insurance section. Alternatively, you can call an advisor by calling the Desjardins dental insurance phone number 1-866-838-7661. You can get in touch on this number Monday to Friday, 9 a.m. to 5 p.m. (ET).
If you're an existing Desjardins insurance dental policy customer, call 1-888-558-5525 and a customer service agent will guide you with your request. To file a Desjardins dental insurance claim, you must fill out a claim form that you will find under the claims section of the client services.
