What is the best group dental insurance in 2024?

verified information

verificator-profile-picture-profile-picture

Information verified by  Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Discover the methodology
sunny-yadav-profile-picture
Sunny Yadav updated on 31 October 2023

In the ever-evolving landscape of Canadian group dental insurance, the key to finding the best one is understanding the diverse options available. 

Group dental insurance isn't just a cost-effective solution for employers; it's a gateway to brighter, healthier smiles for employees. But finding the right one can be challenging, especially when you have so many options to choose from.

Let’s delve into the specifics of leading providers like GreenShield Canada, Sun Life, GMS, and Canada Life to see what makes them a good choice. Don't forget to compare the plans and get free quotes using our comparator so you can decide on a plan that suits you best.

Best Group Dental Insurance Canada Plans

  1. GreenShield Canada (GSC): Easy-to-use benefits
  2. Sun Life dental insurance: PHI plans with varying coverage levels
  3. GMS Group Advantage Dental Plans: Orthodontic services for children under 18
  4. Canada Life dental insurance for employees: Ease of customization

Before we jump into the best plans and what they offer, let's take a look at the basics of group dental insurance.

What is group dental insurance? 

It is a type of dental insurance coverage that is typically offered to a group of people, such as employees of a company or members of an organization.

It is different from individual dental insurance, where a person purchases a dental plan directly from an insurance provider. Also, it’s a way for employers to provide their employees with access to affordable dental care.

Group dental insurance plans are typically negotiated by the employer with a company offering dental coverage, and the employer may pay a portion of the premium for the plan.

  • Group dental insurance plans can vary in terms of the coverage they offer.
  • Most plans cover preventive care, such as cleanings and checkups, as well as restorative care, such as fillings and crowns.
  • Some plans may also cover orthodontic care and other specialized services.

Good to know

Group dental insurance can be a valuable benefit for employees, as it can help them to save money on dental care. Employees who have such insurance typically pay lower out-of-pocket costs for dental services than those who do not have insurance.

When considering a group dental insurance plan, it's essential to evaluate factors like cost, coverage, provider networks, and the needs of the insured individuals.  You can use our comparator to get quotes from 20+ health and dental insurance companies in Canada and make an informed decision.

Compare The Best Health Insurance Plans in Seconds

Compare

How does group dental insurance work in Canada? 

Here are 4 easy points to understand group dental insurance plans in Canada.

  1. Employers negotiate a plan with a dental insurance company, and employees can choose to enroll in the plan.
  2. The employer may pay a portion of the premium, and the employee pays the rest.
  3. Employees can typically access dental care through a network of participating dentists.
  4. This means that they may have lower out-of-pocket costs for dental services than if they went to a dentist outside of the network.

To use group dental insurance in Canada, employees should first find out if their employer offers a plan. If they do, employees should contact the employer's human resources department to learn more about the plan and how to enroll.

What is the cost of group dental insurance in Canada? 

The cost of group dental insurance in Canada varies depending on a number of factors, such as the size of the group, the plan chosen, and the age and health of the employees.

  1. Size of the group: Employers with larger groups typically pay lower premiums than employers with smaller groups.
  2. Plan chosen: The cost will vary depending on the plan that the employer chooses. Plans that offer more comprehensive coverage will typically be more expensive than plans that offer less comprehensive coverage.
  3. Age and health of the employees: The age and health of the employees in the group can also affect the cost. Employers with a younger and healthier workforce will typically pay lower premiums than employers with an older and less healthy workforce.

Your location may play a role in deciding the cost, too. Provinces like Ontario and British Columbia might have higher prices.

Here are some cost estimates for group dental insurance plans in Canada for a group of 10 people:

PlanCost per employee per month
GreenShield Canada (GSC)
$20-$30
Sun Life's PHI Plans with dental coverage
$25-$35
GMS Group Advantage Dental Plans
$22-$32
Canada Life's dental insurance for employees
$23-$33
Group dental insurance quotes

These are just estimates, and the actual cost of your plan will vary depending on the above factors. To get a more accurate quote from leading group dental insurance providers in Canada, use our comparator. It's free to use and gives you results in no time.

Start Saving Today!
Compare Health and Dental Insurance Rates

Get quotes in just seconds

What are the best group dental insurance plans in Canada? 

Green Shield Canada: Easy-to-use benefits

Honeybee Select, offered by GSC, is a simplified and innovative group health benefits solution for small businesses (25 employees and under) new to workplace benefits.

It is a product provided by Benecaid and is now powered by GreenShield Canada. Honeybee Select offers digital, easy-to-use benefits, with employers positioned to choose the standardized plan that best fits their needs.

All core benefits are provided by GSC, including health, dental, and travel (while optional pooled benefits are provided by leading insurers).

  • Allowance Account + Health Account plan: Offers dental coverage as an add-on,
  • Allowance Account + Health Account + Insurance plan: Has dental coverage already included.

These plans will be offered by your employer, who will have the freedom to design your benefits plans — and the dental coverage will vary based on the same. In general, Honeybee's dental coverage includes a variety of services, including:

  • Preventive care: cleanings, checkups, X-rays, fluoride treatments
  • Basic care: fillings, crowns, bridges, root canals
  • Major care: dentures, implants, orthodontics

<strong>Is Guardian group dental insurance available in Canada?</strong>

Guardian is a well-known dental insurance provider, primarily operating in the United States. While they do offer dental insurance plans to individuals, families, and employer groups in the U.S., they may not provide dental insurance in Canada, and they may not be licensed to offer insurance coverage in the Canadian market.

Sun Life dental insurance: PHI plans with varying coverage levels 

Sun Life offers a variety of Personal Health Insurance (PHI) plans in Canada. These plans can help to cover the cost of unexpected medical expenses that are not covered by provincial health insurance plans. Sun Life's PHI plans are available to individuals and groups (families) alike.

Here is a summary of the different types of Sun Life PHI plans:

  1. Basic Plan: This plan offers coverage for a variety of common medical expenses, such as prescription drugs, dental care, and vision care. It also offers coverage for emergency travel medical expenses.
  2. Standard Plan: This plan offers all of the coverage of the Basic Plan, plus coverage for semi-private hospital stays, ambulance services, and certain types of preventive care.
  3. Enhanced Plan: This plan offers all of the coverage of the Standard Plan, plus coverage for private hospital stays, certain types of major medical expenses, and certain types of preventive care.

Depending on your plan, the dental coverage can range from cleanings to orthodontics — partially or fully.

To know more about the specific dental coverage of each plan, head to our review of Sun Life dental insurance.

And if you want to get personalized dental insurance quotes from Sun Life and other leading companies in Canada, you can use our comparator and do so in minutes right here.

Start Saving Today!
Compare Health and Dental Insurance Rates

Get quotes in just seconds

GMS Group Advantage Dental Plans: Orthodontic services for children under 18

GMS offers a wide range of health and dental insurance plans for both individuals and groups. It specifically offers three different types of dental insurance for employees (known as GMS Group Advantage Dental Plans), with varying levels of coverage.

Here’s a quick breakdown of each plan:

PlanPreventative ServicesBasic ServicesMajor ServicesOrthodontic Services (for children under 18)
Silver
80%

Cleaning
Polishing
Topical fluoride treatment
And more
80%

Exams and x-rays
Root canals
Denture repair
And more
Gold
100%

Cleaning
Polishing
Topical fluoride treatment
And more
100%

Exams and x-rays
Root canals
Denture repair
And more
50%

Bridges
Crowns
Full/partial dentures
Inlay and onlays
And more
Platinum
100%

Cleaning
Polishing
Topical fluoride treatment
And more
100%

Exams and x-rays
Root canals
Denture repair
And more
80%

Bridges
Crowns
Full/partial dentures
Inlay and onlays
And more
50%


$1,500 lifetime maximum
GMS group dental insurance coverage

Canada Life dental insurance for employees: Ease of customization

Canada Life offers a variety of dental insurance plans for employers to choose from. These plans can be tailored to meet the specific needs of the employer and the employees.

Canada Life's dental insurance plans cover a wide range of dental services, including:

  • Preventive care: cleanings, checkups, X-rays, fluoride treatments
  • Restorative care: fillings, crowns, bridges, root canals
  • Periodontal care: treatment for gum disease
  • Orthodontic care: braces and other devices to correct crooked teeth or misaligned jaws
  • Prosthodontic care: dentures and other artificial teeth

Canada Life offers a wide range of resources and tools to help employers implement and manage their dental insurance plans — and help employees understand and use their dental insurance plans. This includes access to online tools, webinars, and training resources.

<strong>Can you get Ameritas Group dental insurance</strong>?

Ameritas Group dental insurance primarily operates in the United States. It is a provider of dental and vision insurance plans for individuals, families, and employer groups in the U.S. They may not offer dental insurance plans in Canada or be licensed to provide insurance coverage in Canada.

Did you like this article?
sunny-yadav-profile-picture/
Sunny Yadav Copywriter
hellosafe-logo
hellosafe-logo

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

Ask a question, an expert will respond
Your name is required
Comment's content is required.