Best Dental Insurance Nova Scotia Plans (2024)

The provincial healthcare in Nova Scotia does not provide comprehensive dental care. However, there are a number of private insurance companies that offer good dental coverage options.

But how do you know which is the best dental insurance Nova Scotia plan for you? We've got you covered. In this guide, we take you through the best dental insurance plans, what they cover, pros, cons, and more.

You can use our comparator to compare multiple plans and get free health and dental insurance quotes in a few seconds so you can find a plan that fits your needs the best.

Our 2024 ranking of Nova Scotia's best dental insurance plans

The best dental insurance in Nova Scotia depends on your individual needs and budget. If you'd like to take a quick look at the various plans available and do a comparison you can do it right here. Use our comparator below to compare Nova Scotia's best health and dental insurance plans and get free quotes based on your unique needs.

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Here's a look at some of the best dental insurance Nova Scotia plans:

Green Shield Canada (GSC): Budget-friendly option

Green Shield Canada presents a trio of prominent health insurance plans tailored to cater to various dental care needs: Prism Continuum, Prism Spectra, and Prism Precision.

Here's a quick overview of GSC’s dental coverage:

Plan	Dental coverage	Premium
Prism Continuum®	Basic: Cleaning and polishing under preventative services, filling, extractions, regular check-ups, x-rays, fluoride treatments, general anesthetics, and pit and fissure sealants Coverage: 80% Comprehensive Basic: Periodontal treatment, endodontics, denture cleaning, repairs, rebasing, relining Coverage: 80% throughout Major Services: Full and partial dentures, standard bridges, and crowns Coverage: 50% starting in 3rd benefit year	$317
PrismSpectra®	Basic: Same as Prism Continuum Coverage: 80% Comprehensive Basic: Periodontal treatment, endodontics, denture cleaning, repairs, rebasing, relining Coverage: 60% in first 12 months, 70% in next 12 months, 80% thereafter Major Services: Same as Prism Continuum Coverage: 50% starting in the 3rd benefit year	$235
Prism Precision®	Basic: Preventative cleaning and polishing, routine exams, x-rays, filling, extractions, fluoride treatments, pit, and fissure sealants, general anesthetics.  Coverage: 70% Comprehensive Basic: Periodontal treatment, endodontics, denture cleaning, repairs, rebasing, and relining. Coverage: 60% in first 12 months, 70% in next 12 months, 80% thereafter Major Services: Same as Prism Continuum Coverage: 50% starting in 3rd benefit year	$131

If you think GSC is the right fit for you, you can get quotes right here in a few seconds.

Manulife Dental Insurance Nova Scotia: Diverse plans to meet your unique needs

Manulife proudly provides a range of comprehensive medical and dental insurance plans to cater to your specific requirements. Whether you seek dental benefits, prescription drug coverage, or a combination of both, you'll discover a plan that aligns perfectly with your needs.

• Manulife's dental coverage encompasses four overarching plans: DentalPlus Basic, DentalPlus Enhanced, ComboPlus Basic and ComboPlus Enhanced. 
• The scope of dental care ranges from fundamental coverage, including routine cleanings and scaling, to extensive coverage, which encompasses major restorative dental procedures based on the selected policy.

Here’s a table detailing the various Manulife health insurance plans featuring dental coverage:

Plan	Dental coverage	Premium
DentalPlus Basic	Year 1: 50% of first $1,150 (up to $575 every year) Year 2+: 80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months Included: Comprehensive examinations, professional cleanings, thorough scaling, meticulous polishing, cavity fillings, and specific tooth extractions Excluded: Oral surgery, periodontal treatments, endodontics (root canals), orthodontic procedures, dental crowns, dental bridges, and denture services.	$78.5
ComboPlus Starter	70% of first $575 (up to $400 every year) Check-ups every 9 months Included: Same as DentalPlus Basic Excluded: Same as DentalPlus Basic	$80.9
ComboPlus Basic	80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months Included: Same as DentalPlus Basic Excluded: Same as DentalPlus Basic	$94.6

If you like Manulife's dental insurance plans, get a quote from the company and take the first step towards securing dental insurance for yourself or your loved ones.

Group Medical Services (GMS): Offers comprehensive coverage

Group Medical Services presents a spectrum of insurance plans, spanning from fundamental coverage to all-encompassing health protection. Each of these plans allows you the flexibility to incorporate dental benefits and/or prescription drug coverage as per your needs.

• Within GMS health insurance, you'll find dental coverage that encompasses a wide range of services.
• This includes fundamental procedures such as exams, fillings, and polishing, emphasizing the importance of preventive care. 
• Additionally, the coverage extends to major services like crowns, bridges, and dentures

Here's a quick overview of GMS’ dental coverage:

Plan	Dental coverage	Premium
Essential Plan	Preventative Coverage: 80% coverage for regular check-ups, examinations, cleanings and scaling. Basic Coverage: 80% coverage for checkups (every 6 months), polishing, fillings, etc. Major Coverage: 50% coverage for major dental services, inlays, onlays, crowns, bridges, dentures, etc. Combined Maximum: $1,000 for dental expenses (includes basic and major services) Accidental Dental: $2,000 per injury	$121.25
Basic Plan	Year 1: $500 (Preventative Care and Basic Services) Year 2: $750 (Preventative Care, Basic and Major Services) Year 3+: $1000 (Preventative Care, Basic and Major Services) Accidental Dental: $500 per injury	$70.75

If you liked what GMS offers and you think it could be the right fit for you, your family, or both, you can now get quotes directly from GMS and get a policy that suits your unique needs.

Blue Cross Dental Insurance Nova Scotia: Tailored flexibility

The reputed Blue Cross offers a range of plans that encompass health benefits, prescription drugs, and dental coverage, all adaptable to your specific requirements. Blue Cross health and dental plans exhibit variation across provinces and policies, but all Blue Cross health insurance packages provide the flexibility to include dental coverage.

• Among their offerings are the Flex Plans, which provide 80% coverage for preventive dental care and 50% coverage for basic dental care, making it a cost-effective choice for those seeking basic dental support.
• These entry-level plans include essential dental maintenance services such as exams, cleanings, X-rays, and fillings.
• For a more comprehensive option, the Essential plans not only cover the services found in entry plans but also extend coverage to include extractions, root canals, and additional dental procedures. 
• Stepping up further, the Enhanced plans encompass periodontal services to support gum health, major dental procedures, and even orthodontic care.

Dental care is an optional benefit that you have the freedom to customize and add to your Blue Cross Health Insurance plan, tailoring your coverage to match your unique needs.

Here's a quick overview of its plans:

Plan	Coverage	Premium
Flex Plan	Preventive Coverage: Dental Exam & Cleaning, X-rays (3-month wait) Basic Coverage: 60% ($500/year) (Fillings - 3 month wait) Accidental Dental: $7,000/lifetime	$41.22
Entry	Preventive Coverage: Same as Flex plan Basic Coverage: 60% ($500/year) (Fillings - 3 month wait) Accidental Dental: $7,000/lifetime	$48.01
Essential	Preventive Coverage: Same as Flex plan with 6-month wait Basic Coverage: 70% (Fillings, extractions, and root canal - 6-month wait) Accidental Dental: $7,000/lifetime	$65.94
Enhanced	Preventive Coverage: Same as Flex plan with 6-month wait Basic Coverage: 70% (Fillings, extractions, and root canal - 6-month wait) Accidental Dental: $7,000/lifetime	$98.12

If you liked what Blue Cross offers and you think it could be the right fit for you, your family, or both, you can now get quotes directly from Blue Cross and get a policy that suits your unique needs.

What does a dental insurance Nova Scotia plan cost? 

The Nova Scotia government only covers dental care for children under the age of 15 and for people with special needs. This means that adults and children over the age of 15 have to pay out-of-pocket for dental care unless they have private dental insurance.

Moreover, the cost of dental care can vary depending on the type of service and the location, but it can be expensive, especially for major procedures such as root canals and crowns. Private dental insurance can help to offset the cost of dental care and make it more affordable.

The cost however changes based on what your needs are, pre-existing conditions, age, and more. Therefore it's best to get quotes based on your personal preferences and health conditions. While it may seem daunting, you can do it right here.

Use our comparator to compare plans and get free personalized health and dental insurance quotes in a few seconds. All you need to do is share a few basic inputs on what you're looking for, and voila, you have quotes in no time.

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How much does dental care cost without a dental insurance Nova Scotia plan?

The cost of dental care without dental insurance in Nova Scotia varies depending on the type of service and the location. However, you can expect to pay the following for some common dental procedures:

• Checkup and cleaning: $100-$200
• Filling: $150-$300
• Root canal: $500-$1,500
• Crown: $1,000-$2,000
• Bridge: $2,000-$5,000
• Dentures: $3,000-$5,000

If you need major dental work, such as implants or braces, the cost can be even higher.

How do I buy private dental insurance in Nova Scotia?

There are a few ways to buy private dental insurance in Nova Scotia:

• Through your employer: Many employers offer group dental insurance plans to their employees. If your employer offers a group plan, this may be the most affordable way for you to get dental insurance.
• Through an insurance broker: An insurance broker can help you compare different dental insurance plans from different providers and find the best plan for your needs and budget.
• Directly from an insurance company: You can also purchase dental insurance directly from an insurance company. You can find contact information for insurance companies online or in the phone book.

Once you have chosen a dental insurance plan, you will need to apply for coverage. You will need to provide the insurance company with some basic information, such as your name, date of birth, contact, and answer some questions about your health history.

You could alternatively simply use our comparator below to compare plans, get free quotes based on your unique preferences, and buy a policy that suits you best.

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Tips to get cheap dental insurance Nova Scotia plan

Here are some tips to get cheap dental insurance in Nova Scotia:

• Consider a group plan: If you are employed, your employer may offer a group dental insurance plan. Group plans are often cheaper than individual plans.
• Choose a plan with a higher deductible and co-pay: This will lower your monthly premium, but you will have to pay more out-of-pocket for dental services.
• Look for discounts: Some dental insurance companies offer discounts to students, seniors, and veterans. You may also be able to get a discount if you pay your premiums in full annually.
• Consider a dental savings plan: A dental savings plan is not insurance, but it can help you save money on dental care. Dental savings plans typically offer discounts on dental services, such as checkups, cleanings, and fillings.