Best Quebec Dental Insurance for 2024

Maintaining good oral health is crucial for overall well-being, and a private Quebec dental insurance plays a significant role in ensuring access to essential care.

Unfortunately, in Quebec, dental health services are not well covered by public health insurance so having a private dental insurance becomes extremely essential.

But how do you pick the best Quebec dental insurance plan that suits your needs and budget? This comprehensive article answers your questions about public and private dental care in Quebec, best policies, coverage, prices, and also get free quotes.

Our 2024 ranking of Quebec's best dental insurances

Manulife Dental Insurance: Multiple Plans for different needs

Manulife offers many comprehensive medical and dental insurance plans. Whether you are looking for dental benefits, drug benefits, or a combination, you will find a plan that suits you.

Manulife dental coverage is offered under four broad plans: DentalPlus Basic, DentalPlus Enhanced, ComboPlus Basic, and ComboPlus Enhanced. The extent of dental care varies from basic coverage like cleaning and scaling to extensive coverage like major restorative dental procedures based on the policy.

Here's a table on the Manulife health Insurance plans with dental cover.

Plan Type	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: Examinations, Cleaning, Scaling, Polishing, Fillings, Select Extractions Excluded: Oral Surgery, Periodontics, Endodontics (Root Canal), Orthodontics, Crowns, Bridges, Dentures	$78.5
ComboPlus Starter	70% of first $575 (up to $400 every year) Check-ups every 9 months Included: Examinations, Cleaning, Scaling, Polishing, Fillings, Select Extractions Excluded: Oral Surgery, Periodontics, Endodontics (Root Canal), Orthodontics, Crowns, Bridges, Dentures	$80.9
ComboPlus Basic	80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months Included: Examinations, Cleaning, Scaling, Polishing, Fillings, Select Extractions Excluded: Oral Surgery, Periodontics, Endodontics (Root Canal), Orthodontics, Crowns, Bridges, Dentures	$94.6

The figures and premiums vary with the extent of coverage. You could check this pdf for more information on the dental cover offered by Manulife.

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

Blue Cross Dental Insurance: Flexible choice

Blue Cross offers plans that include health benefits, drug, and dental coverage based on your needs. Blue Cross health and dental plans vary across provinces. However, all Blue Cross health insurance packages offer the option of adding dental cover.

There are Flex Plans that offer 80% preventive coverage and 50% basic coverage; one of their more affordable options for basic care. Their entry plans include dental maintenance services such as exams, cleanings, X-rays, and fillings.

Essential plans, in addition to the services in entry plans, cover extractions, root canals, and more. Enhanced plans further include periodontal services for gum health, major dental procedures, and even orthodontics.

It must be noted that dental care is an optional benefit that you can pick and choose from to add to your Blue Cross Health Insurance plan.

Here's a table on the dental care benefits offered under some major Blue Cross Health Plans.

Plan Type	Coverage	Premium
Flex Plan	Preventive Coverage: 80% reimbursement (examinations, X-rays, laboratory tests, preventive services, space maintainers) Basic Coverage: 50% reimbursement (removal of erupted teeth, restorative services, endodontics, periodontics, oral surgery) Combined Maximum: $500 for first year, $1,000 for subsequent years; coverage ends at 65th birthday Accidental Dental: $1,000 per accident	$41.22
Entry	Preventive Coverage: Dental Exam & Cleaning, X-rays (3 month wait) Basic Coverage: 60% ($500/year) (Fillings - 3 month wait) Accidental Dental: $7,000/lifetime	$40.88
Essential	Preventive Coverage: Dental Exam & Cleaning, X-rays (6 month wait) Basic Coverage: 70% (Fillings, extractions and root canal - 6 month wait) Accidental Dental: $7,000/lifetime	$45.71
Enhanced	Preventive Coverage: Dental Exam & Cleaning, X-rays (6 month wait) Basic Coverage: 80% (Fillings, extractions and root canal - 6 month wait; Periodontal Services Coverage - 24 month wait (60% ($1,200 / year)); Major Dental Coverage - 24 month wait (60% ($500 / year)); Orthodontics Coverage (age 18 and under - 24 month wait (60% ($1,500 / lifetime)) Accidental Dental: $7,000/lifetime	$77.90

The figures and premiums vary with the extent of coverage. You could check this pdf for more information on the dental cover offered by Blue Cross.

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

Paramed+ Odyssey Dental Insurance: Comprehensive coverage

Paramed+ Odyssey offers two dental insurance plans, and to enroll in either of these plans, you must first subscribe to one of their extended health insurance plans.

Both the dental plans, along with the extended health plans, have no deductible, making them financially accessible to customers. The dental insurance options cover a range of services, including basic care and prevention, minor restorations, major restorations, and prosthetics.

The plans also come with interesting coverages like home care assistance at $10.00/month. Take a look at what the two dental plans of Odyssey health insurance offer:

Plan Type	Dental Coverage	Premium
Basic	Minor Restorations, Diagnostics and Prevention, Oral Surgery, Periodontics, Endodontics: 80% Major Restorations, Major Surgery, Removable and Fixed Prosthesis: N/A Global Maximum per Insured Person: First Year: $500, Second Year: $750, Following Years: $1,000	$86.84
Deluxe	Minor Restorations, Diagnostics and Prevention, Oral Surgery, Periodontics, Endodontics: 80% Major Restorations, Major Surgery, Removable and Fixed Prosthesis: 50% Global Maximum per Insured Person: First Year: $750, Second Year: $1,100, Following Years: $1,500	$103.99

The figures and premiums vary with the extent of coverage. You could check this pdf for more information on the dental cover offered by Odyssey.

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

Desjardins Dental Insurance: Basic and Enhanced coverage

Desjardins allows you to add dental insurance to either their Basic or Enhanced Health Insurance Plan. This will cover accidental dental damage and part of routine check-ups. The more comprehensive plan will also cover major dental reconstructions and surgeries.

The Basic plan includes essential preventive services like exams, cleanings, X-rays, fillings, which are crucial for good oral health. However, the Enhanced Plan goes a step further by covering more extensive treatments like extractions, root canals, which may be required at times.

Additionally, the Enhanced Plan offers coverage for periodontal services, major dental procedures, and even orthodontics, including braces.

Here's a table summarising the dental care benefits offered under Desjardins Health and Dental Insurance.

Plan	Dental Coverage
Basic	Preventative: 80% reimbursement per cleaning every 9 months Basic Care: 50% reimbursement Major Care: N/A Orthodontic Care: N/A Max benefit per person per year: $700
Enhanced	Preventative: 100% reimbursement per cleaning every 6 months Basic Care: 100% reimbursement Major Care: 100% reimbursement Orthodontic Care: 60% reimbursement Max benefit per person per year: $750 for first year, $750 for second, $1,000 as of third year

The figures may vary with the extent of coverage. You could check this pdf for more information on the dental cover offered by Desjardins.

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

What is RAMQ or Quebec Public Health Insurance?

RAMQ stands for Régie de l'assurance Maladie du Québec and is a program that can help Quebecois cover medical and dental costs. You must have been a resident in Quebec for at least one year to be eligible.

RAMQ will cover certain oral surgeries so long as they are performed at a hospital. It will also cover many basic services for children aged 10 or under.

What does RAMQ cover for dental?

• surgery for tumours or cysts
• abscess drainage
• fractures
• treatment of cuts
• bone infections
• jaw surgery
• surgery for salivary glands

Who is not eligible to be covered by Quebec Public Health Insurance?

Persons residing in Quebec who are not eligible for the RAMQ plan are:

• people who already have dental insurance
• people who have been resident in Quebec for less than one year

If you think you are not covered by RAMQ or require comprehensive dental insurance, you could use our comparator below to compare prices, coverage, and more from Quebec's best health and dental insurances and also get quick quotes.

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Does Social Assistance cover dental care in Quebec?

Social Assistance program in Quebec, known as "Aide sociale," does not typically cover routine dental care for recipients. Dental care is generally not considered a medically necessary service under the social assistance program.

However, there are exceptions in specific cases where dental care may be covered. Certain services may be available for recipients of last-resort financial assistance and their families, determined on a case-by-case basis. The available services differ depending on how long you have qualified for financial assistance.

Services for those receiving assistance for under 12 months

• cavity infections
• hemorrhages
• abscess management
• tooth extraction
• jaw fractures
• re-implanting a tooth
• treating cuts

Services for those receiving assistance for over 12 months

• Routine annual exam
• x-rays
• anesthetic
• scaling (16+)
• tooth extractions and root canals
• tooth crowns

Services for those receiving assistance for over 24 months

• dentures
• Re-coating
• denture replacement and repair

If you wish to apply to be reimbursed for the dental care you have already paid for, you can fill out the form below and send it to: Régie de l'assurance maladie du Québec, CP 6600, G1K 7T3

Why do you need private dental insurance in Quebec?

Private dental insurance in Quebec is essential for comprehensive dental coverage beyond what the provincial health insurance plan, RAMQ, provides. With limited public coverage for routine dental care, private insurance ensures timely access to essential services like check-ups, cleanings, and fillings.

It offers more comprehensive options, including major treatments like root canals and crowns, helping to alleviate the financial burden of dental expenses. The ability to choose preferred dentists and coverage for orthodontic treatments adds flexibility and convenience.

So whether you are covered by the RAMQ or not, some dental care will still have to be paid for. For Quebec residents who do not receive social assistance, the cost of dental care can quickly spiral.

The table below gives an indicative price list of the main dental treatments in Quebec:

Procedure	Average price
Consultation	$100
Cleaning	$75
Descaling	$150
Crowning	$1,500
Root canal	$750
Removal of a tooth or root	$950
Gum exam	$10
Reimplanting a tooth	$18

How to buy a private dental insurance in Quebec?

Buying private dental insurance could be a complicated process but we've made it simple for you with our comparator tool. Just browse for the best dental insurance with our online tool on top of this page. It's 100% online, free and anonymous.

You'll be able to determine which private dental insurance plan best suits your needs by balancing your specific dental needs with your budget. You will receive a personalized dental insurance quote within hours that is tailored to you.

Dental insurance typically covers the majority of your dental bills, including orthodontic costs.

How much does a private Quebec dental insurance cost?

The price of private dental insurance in Quebec varies, of course, depending on the treatments offered, the maximum amount reimbursed and the age of the insured. You can find dental insurance starting at as little as $15 that's usually an add-on with minimum coverage.

For example, Blue Cross offers insurance products that include dental care that start as low as $47.26 per month with the Blue Flex offer. On average, the monthly premium for a good private dental insurance in Quebec can range from around $40 to $100 or more.

Basic dental insurance plans typically provide coverage for routine preventive services such as check-ups, cleanings, and X-rays, and may have lower premiums. On the other hand, more comprehensive plans that cover major dental treatments like root canals, extractions, and orthodontics (braces) may have higher premiums.

Can I buy just dental insurance?

Insurers rarely offer dental coverage on their own. Typically, you will have several options to choose from:

• An all-in-one service, usually including drug and dental coverage as well as eye care coverage
• Dental and ocular coverage
• A medicine-only service that does not include dental care.

For instance, Manulife health insurance offers an insurance policy that includes dental care that is not covered in other plans. This plan also covers other expenses such as alternative medicine and eye exams. However, it will not cover medication.

On the other hand, Blue Cross offers a dental option to be added to its basic health insurance plan.

8 tips to get the cheapest Quebec dental insurance

Here are some essential ways to get the cheapest dental insurance in Quebec.

1. Shop around and compare plans to find affordable options using HelloSafe's easy to use comparator.
2. Consider group or employer-sponsored plans for lower premiums and better coverage.
3. Look for standalone dental plans that focus solely on dental coverage.
4. Opt for higher deductibles or limited coverage if you don't anticipate major dental issues.
5. Explore dental discount plans for cost-saving benefits.
6. Compare annual maximums to understand coverage limits.
7. Check co-pays to see your out-of-pocket expenses per visit.
8. Utilize eligible Medical Expense Tax Credits (under a Health Spending Account) to save on dental expenses.

To compare the coverage and prices of health and dental insurance Quebec plans, use our comparison tool to see the best options available. Get quick and free quotes based on your unique needs and budget.

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Can you buy dental insurance for children?

Yes, if you are looking for dental insurance for children, simply select "Family" when you use our comparison tool. Our tool will show you the best family health insurance prices that cover you and your children.

Input the number of children you have and their ages and you will receive a quote for family and dependents' dental insurance that is specific to your needs.

How to cancel Quebec dental insurance?

To cancel, you need to contact your insurance provider directly. You can do this by calling the customer service number listed on your insurance card or policy.

Inform them of your decision to cancel the coverage and provide any required information, such as your policy number and personal details. Some companies may have specific procedures or forms for cancellation, so it's essential to follow their instructions.

Additionally, be aware of any notice periods or cancellation fees that apply. Keep records of your cancellation request for your reference and ensure that you receive written confirmation from the company acknowledging the cancellation.

How to file a claim for Quebec dental insurance?

To file a claim, you should first receive dental treatment from your dentist. Your dentist will provide you with an itemized receipt or dental claim form detailing the services and associated costs.

Fill out the necessary information on the claim form and attach the receipt. Submit the completed claim form along with the supporting documents to your provider. You can typically submit claims through various methods, such as mail, online portals, or mobile apps, depending on your provider.

Once the claim is received and processed by the provider, they will reimburse you for the eligible expenses based on the terms of your policy. Be sure to keep a copy of all documents for your records and follow up with the provider if you have any questions about the claim process.