What’s the Best Dental Insurance in Manitoba for 2024?
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Looking for the best dental insurance in Manitoba can be challenging. There are so many options out there, with varying levels of coverage.
Delve with us into the offerings of premier providers in Manitoba — Sun Life, GreenShield Canada (GSC), Group Medical Services (GMS), and Blue Cross.
Also, explore the significance of private dental insurance in Manitoba, understanding its pivotal role in cost reduction, providing peace of mind, and promoting preventive care. And don’t forget to explore other plans and compare costs — use our comparator or request quotes from the providers directly.
Best Manitoba Dental Insurance 2024
- Sun Life’s PHI plans with dental coverage
- GreenShield Canada’s Prism plans
- Group Medical Services’ Basic and Essential plans
- Blue Cross affordable plans with good coverage
What do dental insurance plans in Manitoba cover?
A lot of things, but the coverage will depend on your plan. Here are some of the types of dental services that are typically covered by private dental insurance in Manitoba:
- Routine cleanings and exams: To prevent dental problems such as cavities and gum disease.
- Fillings: Fillings are used to repair cavities.
- Crowns: Crowns are used to protect and restore damaged teeth.
- Root canals: Root canals are used to treat infected teeth.
- Orthodontics: Orthodontics is used to straighten teeth.
As mentioned, the specific services that are covered by your dental insurance plan will vary depending on the plan you choose. Hence, it is important to read the fine print of your policy carefully to understand what is covered and what is not.
Also, make sure to shop around and explore health and dental insurance plans from multiple providers to get the best deal. You can do that right here using our comparator below. Compare plans and get free health and dental insurance quotes in seconds.
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What’s the best dental insurance in Manitoba?
The best dental insurance in Manitoba depends on your individual needs and budget. However, some of the top-rated plans in the province include:
- Sun Life
- GreenShield Canada (GSC)
- Group Medical Services (GMS)
- Blue Cross
Let’s dig deep into their offerings and see what makes them a good choice as your next dental insurance provider.
Sun Life dental insurance Manitoba
Sun Life offers dental coverage exclusively through our Personal Health Insurance (PHI) plans, which are part of our comprehensive health and dental insurance options.
Depending on the particular PHI plan you select, you can access either partial or comprehensive coverage for a range of dental services.
This coverage includes procedures like teeth cleanings, dental x-rays, exams, and orthodontics (including braces for adults and children), as well as bridges, dentures, and crowns.
Here’s a quick overview of Sun Life dental insurance plans and their coverage levels:
| Plan Type | PHI Basic Plan | PHI Standard Plan | PHI Enhanced Plan |
|---|---|---|---|
| Dental Preventive Care | |||
| Reimbursement | 60% | 70% | 80% |
| Annual Maximum | $500 | $750 | $750 |
| Recall Visits | Every 9 months | Every 9 months | Every 9 months |
| Waiting Period | 3 months before coverage begins | 3 months before coverage begins | 3 months before coverage begins |
| Restorative Dental Care: | |||
| Reimbursement | 50% | ||
| Annual Maximum | $500 | ||
| Waiting Period | 1 year before coverage begins | ||
| Covered Services | Endodontics, Periodontics, Oral Surgery, Crowns, Onlays, Bridges, Dentures (and repairs to dentures) | ||
| Orthodontic Care: | |||
| Reimbursement | 60% | ||
| Lifetime Maximum | $1,500 | ||
| Waiting Period | 2 years before coverage begins | ||
| Covered Services | Interceptive, Interventive, or Preventive Orthodontic Services (Excluding Space Maintainers) This category covers early orthodontic interventions designed to prevent or address orthodontic issues. | ||
GreenShield Canada (GSC)
GSC offers three types of dental insurance:
- Prism Precision
- Prism Spectra
- Prism Continuum
Each plan offers comprehensive dental coverage with varying levels. Green Depending on your plan, you get coverage for basic dental, comprehensive basic dental, major dental, and orthodontic services from GSC.
Prism Precision: Basic health and dental coverage
Prism Precision offers four plans:
| Plan Name | Coverage in the First 12 Months | Coverage in the Next 12 Months | Coverage Every 12 Months Thereafter |
|---|---|---|---|
| Precision P1 | |||
| Precision P2 | $250 | ||
| Precision P3 | $500 | $750 | $1,000 |
| Precision P4 | $1,000 | $1,000 | $1,250 |
Prism Spectra: Comprehensive coverage for individuals and families.
Prism Spectra also offers four plans:
| Plan Name | Coverage in the First 12 Months | Coverage in the Next 12 Months | Coverage Every 12 Months Thereafter |
|---|---|---|---|
| Spectra S1 | |||
| Spectra S2 | $500 | $750 | $1,000 |
| Spectra S3 | $1,000 | $1,000 | $1,250 |
| Spectra S4 | $1,000 | $1,250 | $1,750 |
Prism Continuum: For those leaving a company group health plan
Here are the details of Prism Continuum’s four plans:
| Plan Name | Coverage in the First 12 Months | Coverage in the Next 12 Months | Coverage Every 12 Months Thereafter |
|---|---|---|---|
| Continuum C1 | |||
| Continuum C2 | $600 | $800 | $1,000 |
| Continuum C3 | $750 | $1,000 | $1,250 |
| Continuum C4 | $1,000 | $1,250 | $1,750 |
The above limits reflect the combined maximums per person for basic, comprehensive basic and major Services (if applicable).
Group Medical Services (GMS)
Group Medical Services offers a varied selection of health insurance plans, ranging from essential coverage to comprehensive healthcare protection. Furthermore, each plan provides the flexibility to include benefits for dental and/or prescription drugs.
| Plan | Included Benefits |
|---|---|
| Essential Plan | Comprehensive dental coverage Preventive care (80% coverage): Regular check-ups, examinations, cleanings, scaling Basic care (80% coverage): Semi-annual checkups, polishing, fillings, etc. Major care (50% coverage): Inlays, onlays, crowns, bridges, dentures, etc. Combined maximum for dental expenses: $1,000 Accidental dental coverage: $2,000 per injury |
| Basic Plan | Graduated coverage over the years: Year 1: $500 Year 2: $750 Year 3+: $1,000 Accidental dental maximum: $500 per injury |
To receive personalized dental insurance quotes from Group Medical Services and other leading companies in Canada, use our comparison tool. Provide your basic details, and within minutes, get customized dental insurance quotes to easily compare and make an informed decision about your coverage.
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Blue Cross dental insurance Manitoba
Blue Cross offers all-encompassing health plans that include dental coverage, along with standalone individual dental insurance plans designed for those specifically seeking dental coverage.
| Individual Dental Insurance Coverage | Eligible Services | Coverage Rate | Waiting Period |
|---|---|---|---|
| Preventive Services | Cleaning, polishing, fluoride treatments, sealants, etc. | 70% | 6 months |
| Examinations | X-rays (once every 36 months) and emergency assessments | 70% | 6 months |
| Restorative Services | Fillings | 70% | 6 months |
| Surgical Procedures | Extractions and root canal therapy | 70% | 6 months |
| Denture Services | Repairs, relining, and rebasing | 70% | 6 months |
Here are some additional coverage details that you should know:
| Accidental Death and Dismemberment Coverage | Coverage Details |
|---|---|
| Applicant and Spouse Coverage | Up to $25,000 each in case of accidental loss of life or limb |
| Age Limit | Coverage ceases after the month following the 65th birthday |
How much does dental insurance in Manitoba cost?
The cost of dental insurance in Manitoba varies depending on a number of factors, including your age, health, and the type of coverage you choose.
Here are the estimated costs for a 27-year-old (male) living in Manitoba:
| Plan Provider | Monthly Cost |
|---|---|
| Sun Life Basic Sun Life Standard Sun Life Enhanced | $57.53 $73.41 $100.79 |
| Green Shield Prism Precision Green Shield Prism Spectra Green Shield Prism Continuum | $30-$50 $50-$75 $40-$60 |
| GMS Dental Essential Plan GMS Dental Basic Plan | $121.25 $70.75 |
| Blue Cross | Starting from $65 |
Why do you need private dental insurance in Manitoba?
Private dental insurance in Manitoba is often necessary because the provincial health insurance plan does not cover most dental services. This means that you would have to pay out of pocket for the full cost of dental care, which can be expensive.
Here are some of the benefits of having private dental insurance in Manitoba:
- Reduces the cost of dental care: Dental insurance can help you save money on the cost of dental care, including routine cleanings, exams, fillings, and crowns.
- Provides peace of mind: Knowing that you have dental insurance can give you peace of mind knowing that you can afford the care you need when you need it.
- Encourages preventive care: Regular dental care is important for maintaining good oral health and preventing dental problems. Dental insurance can encourage you to get the preventive care you need by making it more affordable.
If you're new to dental insurance, you can compare what the best plans offer right here using our comparator below. You can also get free quotes in a few quick steps.
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How to file a claim for private dental insurance Manitoba?
Filing a claim for private dental insurance in Manitoba is a straightforward process that can be completed in a few simple steps.
Here's a step-by-step guide to help you navigate the process:
- Gather your documentation, including your dental insurance policy details, the itemized dental receipt from your dentist, and any pre-authorization forms if required.
- Complete the claim form, providing accurate information about yourself, your policy, the dental services received, and the associated costs.
- Attach supporting documents, ensuring all documents are securely attached and legible.
- Choose your submission method — mail, online, or in person.
- Submit your claim to your dental insurance provider. Follow the specific instructions provided for your chosen submission method.
Once done, keep track of your claim status by checking your online account, contacting your provider's customer service, or referring to any tracking information provided. The processing time for claims may vary depending on the provider and the complexity of your claim.
Expert advice
Keep copies of all submitted documents for your records. Contact your dental insurance provider if you have any questions or concerns about the claim process.
What to keep in mind while choosing dental insurance in Manitoba?
Here are some factors to consider when choosing a private dental insurance plan in Manitoba:
- Your dental needs: What types of dental services do you need?
- Your budget: How much can you afford to pay for monthly premiums?
- The deductible: How much money do you have to pay out of pocket before your insurance benefits kick in?
- The co-insurance: How much will you have to pay as a percentage of the cost of covered services?
- The network of providers: Does your plan have a network of providers in your area?
