What's the best Newfoundland dental insurance in 2025?
- For users without health benefits through their employer
- For users losing their group coverage
- For users without health benefits through their employer
- For users losing their group coverage
The Sun Life Personal Health Insurance Standard Plan is the most popular option in Sun Life’s personal health insurance lineup. It offers a balanced combination of catastrophic drug coverage, emergency travel insurance, and paramedical benefits, making it well-suited for individuals or families transitioning from group plans or seeking dependable private coverage.
Dental coverage is optional and includes 70% reimbursement for preventive care, up to $750 per year, with a 3-month waiting period. Eligible services include exams, x-rays, white fillings, cleanings, minor extractions, and children’s dental sealants. However, restorative dental care and orthodontics are not included in this plan and are only available through the Enhanced Plan as add-ons.
Prescription drug coverage is a strong feature: the plan reimburses 70% of the first $7,000, and 100% thereafter up to $100,000 annually. There’s no deductible, and the plan includes support for smoking cessation drugs (lifetime maximum of $250). Emergency travel coverage is included, with 100% reimbursement for eligible expenses, a $1 million lifetime maximum, and coverage for trips up to 60 days, until age 80.
Other highlights include 100% coverage for paramedical practitioners (up to $300 per type, per year, no per-visit max), vision care up to $250 every two years, and $2,000 for accidental dental injuries. The semi-private hospital room benefit is optional and includes up to $5,000 annually.
Ideal for: Individuals who want a balanced plan with strong drug and travel benefits, and who are comfortable adding dental care separately. If you expect to need restorative dental or orthodontics, the Enhanced Plan offers more complete dental coverage.
- High drug coverage with catastrophic protection
- Emergency travel medical included (up to 60 days per trip)
- Full reimbursement for paramedical services
- Optional dental and hospital room upgrades
- Vision coverage included
- No coverage for restorative dental or orthodontics
- Dental must be added separately
- 3-month waiting period for dental and 1-year for vision care
- Enrolment is guaranteed
- Offers coverage for pre-existing conditions
- Include orthodontic services
- Enrolment is guaranteed
- Offers coverage for pre-existing conditions
- Include orthodontic services
The GreenShield ZONE 5 Choice plan strikes a strong balance between affordability and expanded dental protection. It’s a step up for those needing more than the basics, especially if you anticipate needing crowns, dentures, or even orthodontic care in the near future. This plan requires a health questionnaire but rewards you with higher annual maximums, faster benefit scaling, and broader dental inclusions.
Dental benefits begin at $800 per year, reaching $1,300 by Year 3. Basic dental services are reimbursed at 80%, while comprehensive services start at 60% in Year 1 and rise to 80% by Year 3. Major dental services, like crowns and bridges, are introduced in Year 3 at 50% reimbursement. Orthodontic services are also available in Year 3 at 50% reimbursement, with a $2,000 lifetime max per person.
The plan includes up to $5,000 in prescription drug coverage, telemedicine, increasing vision care up to $250, and robust health practitioner benefits.
Ideal for: People who expect to need both routine and advanced dental care within a few years. A solid option for families with teens approaching orthodontic age or adults planning restorative dental work in the future.
- Includes major dental starting in Year 3
- Orthodontic coverage with generous lifetime max
- Consistent 80%+ reimbursement across dental services
- Higher annual dental maximums for broader coverage
- Health questionnaire required
- Ortho and major services don’t activate until Year 3
- Six-month recall requirement for exams
- Good quality-price ratio
- Complete basic care coverage
- Good quality-price ratio
- Complete basic care coverage
The Blue Cross Blue Flex Plan is a customizable health insurance solution designed for individuals with or without remunerative work, including self-employed professionals. It offers flexible modules, with strong dental and extended health benefits forming its core. While its dental coverage isn’t the most extensive, it provides a good foundation for routine and essential dental care, making it a solid option for individuals looking to maintain their oral health affordably.
Dental benefits include 80% reimbursement for preventive services (such as exams, X-rays, and cleanings) and 50% for basic services like fillings, extractions, root canals, and periodontal treatments. This Blue Cross health and dental insurance plan has an annual reimbursement maximum of $500 in the first year and $1,000 in subsequent years, with a $50 deductible per person.
Prescription drug coverage is optional for individuals under age 65, covering 80% to 100% of eligible drug costs, including those not listed by RAMQ, provided they meet Blue Cross criteria. Vision benefits include up to $50 every 24 months for ophthalmologist or optometrist visits. Health practitioner services (chiropractors, massage therapists, psychologists, etc.) are covered at $25 per visit, up to a combined $500 annually. Nursing care offers up to 160 hours or $5,000 annually.
Travel coverage is not included, making this plan more focused on domestic, outpatient, and preventive care.
Ideal for: Individuals who want a flexible plan with a solid foundation in dental and outpatient care. It's a great fit for the self-employed or those without group insurance who need essential dental coverage but don't require travel or major extended health limits.
- Includes preventive and basic dental services
- Optional drug coverage and broad range of health practitioners
- Affordable with guaranteed acceptance
- Designed with the self-employed in mind
- Dental reimbursement caps may be low for major procedures
- Basic services only covered at 50%
- Acceptable dental insurance with $1,000 coverage
- Acceptable dental insurance with $1,000 coverage
The GMS EssentialPlan is a foundational replacement health insurance plan designed for individuals transitioning from employer-sponsored group benefits — particularly retirees or new entrepreneurs. It includes essential extended health and dental coverage, with guaranteed acceptance and no medical questions asked.
Dental benefits are solid, with 80% coverage for preventive and basic services and 50% for major procedures, up to a $1,000 combined annual maximum. This includes exams, cleanings, fillings, crowns, bridges, and dentures, making it a dependable option for maintaining routine dental care after leaving a group plan.
The plan also includes vision care up to $100 every two years (including one eye exam), $500 toward hearing aids every five years, and $600 combined for health practitioners like chiropractors, naturopaths, and osteopaths at 50% reimbursement. You also get unlimited ambulance coverage, $2,000 for accidental dental per injury, and access to the GMS Care Network, including virtual care and counselling services.
Ideal for: Recently retired or self-employed individuals who want affordable and essential coverage, especially if drug coverage isn’t needed. If you need prescription drug support or slightly higher health limits, the ChoicePlan is a more well-rounded step up.
- Strong basic dental benefits, including major procedures
- Unlimited ambulance and good medical equipment coverage
- Guaranteed acceptance with no medical questions
- Access to GMS virtual care and support services
- No prescription drug coverage
- Lower vision and health practitioner limits compared to other plans
- No travel insurance included
- Most popular plan from GMS
- LifeWorks plan included
- GMS pay-direct card included
- Most popular plan from GMS
- LifeWorks plan included
- GMS pay-direct card included
The GMS ExtendaPlan® is a mid-range health insurance plan offering broader core benefits than the BasicPlan, with optional drug and dental add-ons for more complete coverage. It’s a popular choice for those looking for a better mix of paramedical, vision, and extended health care services.
With the dental add-on, the plan provides up to $1,000 in year 3 for both basic and major services (e.g., exams, fillings, crowns, dentures), starting at $500 in year 1 with 75%–80% reimbursement as coverage grows. Preventive care like cleanings and checkups are included, with major dental available from year 2 onward.
The ExtendaPlan also includes vision care (80% up to $250 every 2 years), unlimited ambulance coverage, $2,000 for accidental dental, and $3,000 per year for private duty nursing. It also expands paramedical coverage to $350 annually, including more practitioners like massage therapists and physiotherapists.
Ideal for: Individuals and families who want better health coverage across the board, without jumping to top-tier pricing. For those needing more generous limits and specialist reimbursements, the OmniPlan® may be worth the upgrade.
- Strong balance of coverage and affordability
- Dental add-on includes both basic and major services
- Includes vision, hearing aids, and paramedical benefits
- High accidental dental and unlimited ambulance coverage
- Dental and prescription drugs must be added separately
- Major dental services start only in year 2
- Some limits lower than OmniPlan on specialist care
If you're wondering how to secure dental insurance in the picturesque Canadian province of Newfoundland, you've come to the right place. With several options available to ensure your dental well-being, choosing the right dental insurance Newfoundland plan can be hard.
That's why we've put together the best dental insurance Newfoundland options, their coverage, pros, cons, and costs, so you can find a plan that suits you best.
Once you know what they offer, you can also use our free comparator to compare the plans, get free personalized dental insurance quotes right here, and buy a plan that meets your unique budgets and requirements.
Best 4 Dental Insurance Newfoundland Plans
- GreenShield dental insurance: Plans for every budget
- Sun Life Insurance: Coverage options for pre-existing conditions available
- GMS Dental Insurance Newfoundland: Comprehensive options
- Blue Cross Dental Insurance: A plan for every need and budget
How can you get dental insurance in Newfoundland?
There are a few options for dental insurance in Newfoundland and Labrador:
- Government dental plan: The Newfoundland and Labrador Dental Health Plan (NLDHP) provides basic dental coverage to all residents of the province. The plan covers preventive services, such as exams, cleanings, and X-rays, as well as basic restorative services, such as fillings and extractions. However, the plan has a cap of $300 per year, so if you need more expensive dental work, you will have to pay out of pocket.
- Private dental insurance: There are a number of private dental insurance companies that offer plans to residents of Newfoundland. These plans can provide more comprehensive coverage than the government plan, including coverage for major services such as crowns and bridges.
If you are considering purchasing private dental insurance, it is important to compare plans carefully to find the one that best meets your needs and budget.
Comparing costs can be a great way to come to a decision. You can use our comparator and get personalized dental insurance quotes in minutes — just fill in your basic details.
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What are the best options for dental insurance in Newfoundland?
GreenShield dental insurance: Plans for every budget
GreenShield provides comprehensive dental coverage as part of its health insurance plans, offering a variety of options to accommodate different needs and budgets. Whether you choose a ZONE plan or a LINK plan with dental benefits, you’ll have access to preventive care, basic dental services, and, in some cases, major treatments and orthodontics.
The ZONE plans are designed for individuals and families without group benefits, providing flexible dental coverage that increases with each tier. Lower-tier options, like ZONE 2 Primary and ZONE 3 Basic, focus on affordable access to routine and preventive care, while higher-tier plans, such as ZONE 6 Premier and ZONE 7 Ultimate, include major dental work and orthodontics starting in Year 3. These plans offer reimbursements of up to 90%, subject to the annual dental maximum.
For those transitioning from group benefits, the LINK 2, 3, and LINK 4 plans ensure guaranteed acceptance and seamless dental coverage. LINK 2 Classic includes preventive dental services, while LINK 4 Elite expands coverage to orthodontics and higher reimbursement rates. LINK plans provide up to 80% reimbursement, based on the plan’s annual dental maximum.
GreenShield personal health insurance stands out for its progressive dental coverage, increasing over time to enhance long-term value. Compared to other providers, GreenShield offers strong orthodontic benefits in higher-tier plans and budget-friendly lower-tier options, making it a competitive choice. Additionally, consistent benefits across provinces, whether you're in Newfoundland, Ontario or elsewhere, ensure the same high-quality coverage nationwide.
However, major dental services and orthodontics only begin in Year 3 for top-tier plans, which may not be ideal for those needing immediate access. Additionally, lower-tier plans come with modest annual limits, which might not be sufficient for individuals requiring extensive dental work.
You can explore the full coverage details in the free PDFs below.
If you think GreenShield could be the right choice for you, you can get a free quote using our exclusive partner link below.
Sun Life Insurance: Coverage options for pre-existing conditions available
In Newfoundland, Sun Life offers Health Coverage Choice (HCC) plans — private health insurance plans that provide coverage for a variety of medical expenses, including:
- Prescription drugs
- Dental care
- Paramedical services, such as physiotherapy and chiropractic care
- Vision care
- Semi-private hospital room
The HCC plan is available to Canadians who are aged 18 to 74 and have provincial or territorial health insurance coverage. You can apply for the HCC plan even if you have a pre-existing medical condition.
There are three levels of coverage available under the HCC plan:
- Health and Dental Choice A: This is the basic plan, which covers essential medical and dental expenses.
- Health Choice B: This plan provides more comprehensive medical coverage, including emergency travel medical insurance and optional dental coverage.
- Health Choice C: This plan provides the most comprehensive coverage, with higher annual and lifetime coverage maximums.
Here is what the coverage looks like for Plan A:
| Benefit | Reimbursement | Maximum per person |
|---|---|---|
| Drug | 80% | $500 in a calendar year |
| Extended health | 80% | As described in the Extendedhealth provision |
| Vision | 100% | $150 every two calendar years |
| Semi-private hospital room | 50% of reasonable & customary charges | $5,000 in a calendar year |
| Preventive dental | 80% | $700 in a calendar year |
Good to know
For Plans B and C, you can get dental coverage as an add-on.
- Plan B offers 80% reimbursement for preventive dental and 50% for restorative dental with a maximum of $700 per calendar year — per person.
- Plan C offers 80% reimbursement for preventive dental and 50% for restorative dental with a maximum of $750 in the first calendar year and $1,000 in subsequent calendar years (combined with preventive dental).
GMS Dental Insurance Newfoundland: Comprehensive options
Group Medical Services offers a variety of health insurance plans, spanning from fundamental coverage to all-encompassing healthcare protection.
Moreover, each of these plans allows you the flexibility to incorporate dental and/or prescription drug benefits.
- GMS health insurance encompasses dental coverage, addressing both fundamental services like examinations, fillings, and polishing, which promote preventive care.
- The coverage extends to major dental services such as crowns, bridges, and dentures, delivering comprehensive coverage for the restoration or replacement of teeth in accordance with the chosen policy.
Here’s a quick overview of the dental coverage offered by its Essential Plan:
- 80% preventive coverage for regular check-ups, examinations, cleanings, and scaling
- 80% basic coverage for checkups (every 6 months), polishing, fillings, etc
- 50% major coverage for major dental services, inlays, onlays, crowns, bridges, dentures, etc.
This plan offers a combined maximum of $1,000 for dental expenses (including basic and major services) and accidental dental coverage of $2,000 per injury.
GMS’s basic plan offers the following coverage:
- Year 1: $500
- Year 2: $750
- Year 3+: $1000
The above amount is the combined maximum for preventative, basic, and major care. Though Year 1 doesn’t cover major services. Also, the maximum for accidental dental is $500 per injury.
For example
Premiums for a 27-year-old are $121.25 and $70.75 for the Essential and Basic plan, respectively.
If you want to get personalized dental insurance quotes from GMS and other leading companies in Canada and compare them, you can use our comparator. Just fill in your basic details and get dental insurance quotes in minutes.
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Blue Cross Dental Insurance: A plan for every need and budget
Blue Cross offers complete health plans with dental coverage and individual dental insurance plans for those who need standalone dental insurance.
The latter provides more comprehensive dental coverage:
- Preventive services, encompassing cleaning, polishing, fluoride treatments and sealants.
- Examinations, including X-rays once every 36 months and emergency assessments.
- Restorative services, which include fillings.
- Surgical procedures like extractions and root canal therapy.
- Denture services, comprising repairs, relining and rebasing.
The Individual Dental plan offers the following services that are eligible for coverage at a rate of 70%, subject to applicable limits.
It means that. Medavie Blue Cross will reimburse 70% of the expenses associated with the aforementioned procedures, following the fee schedule established by the Dental Society for general practitioners in your province of residence. Please be aware that a 6-month waiting period is in effect.
Also, accidental death and dismemberment coverage is an integral component of the Individual Dental plan.
- Both the applicant and the applicant's spouse are covered for a maximum of $25,000 each in the event of accidental loss of life or limb.
- Accidental Death and Dismemberment coverage will cease at the conclusion of the month following your 65th birthday.
Good to know
A 27-year-old male will end up paying $65 per month for Blue Cross dental insurance in Newfoundland. This cost is for someone who is covered by a provincial health plan.
What does provincial healthcare cover in Newfoundland?
The provincial health plan in Newfoundland is called the Medical Care Plan (MCP). It is a public health insurance program that provides coverage for most basic medical and hospital services to all residents of the province.
Some of the services that are covered by the MCP include:
- Physician visits
- Hospital stays
- Diagnostic tests and procedures
- Preventive care, such as immunizations and cancer screenings
- Emergency medical services
The MCP also covers a number of prescription drugs, but there is a deductible and co-payment for each prescription.
Good to know
To be eligible for the MCP, you must be a resident of Newfoundland. If you are eligible for the MCP, you can apply for coverage online or by mail.
- Once you have been approved for coverage, you will receive an MCP card.
- You should present your MCP card to your doctor or other healthcare provider whenever you receive a covered service.
Why do you need private dental insurance in Newfoundland and Labrador?
There are a few reasons why you might need private dental insurance in Newfoundland :
- To cover the gaps in public healthcare: The provincial health plan (MCP) covers some basic dental services, such as exams and cleanings, but it does not cover most restorative and major dental services, such as fillings, crowns, bridges, and root canals. Private dental insurance can help you to cover the cost of these services.
- To get better access to dental care: Private dental insurance can give you access to shorter wait times for appointments and procedures, as well as more choices of dentists.
- To protect yourself from financial hardship: If you have a serious dental problem or need expensive dental treatment, private dental insurance can help you pay for the cost of care without having to rely on your savings or go into debt.
Here are some specific examples of situations where private dental insurance in Newfoundland could be helpful:
- You need to get a cavity filled, but there is a long wait time for appointments in the public system. With private dental insurance, you may be able to get a cavity filled sooner.
- You need to get a crown or bridge, but these services are not covered by the MCP. With private dental insurance, you may be able to get a crown or bridge covered.
- You have a child who needs orthodontic care. The MCP does not cover orthodontic care, but private dental insurance often does.
- You have a dental emergency, such as a broken tooth or a toothache, and you need to see a dentist immediately. With private dental insurance, you may be able to see a dentist sooner and avoid having to go to the emergency room.
What is the cost of dental insurance Newfoundland plans?
The cost of dental insurance in Newfoundland will vary depending on a number of factors, including:
- The type of plan you choose
- The level of coverage you want
- Your age
- Whether you have any pre-existing dental conditions
Good to know
In general, you can expect to pay around $30 to $50 per month for a basic dental insurance plan in Newfoundland. For more comprehensive coverage, you may pay closer to $100 per month or more.
If you are considering purchasing dental insurance in Newfoundland, it is important to compare plans from different companies to find the one that best meets your needs and budget. You can compare their costs using our comparator.
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What are the main tips to get affordable dental insurance in Newfoundland?
First of all, shop around and compare plans from different companies. You can do it right here using our comparator. Compare plans and get free quotes in seconds. Additionally, you must:
- Consider your needs: What types of dental services do you need or expect to need? If you have a history of dental problems, you may need a plan with more comprehensive coverage.
- Look for plans with discounts: Many dental insurance companies offer discounts for families, seniors, and students.
- Ask about employer-sponsored plans: If you work full-time, your employer may offer dental insurance as a benefit.
