Is RBC Dental Insurance the Best? Review 2024
Are you searching for the best dental insurance option? RBC dental insurance is a prominent contender worth exploring. RBC offers Group Benefit Solutions in Canada and is a key player in the realm of group benefits, catering to a diverse range of employers' needs.
But what does it cover? What are its pros and cons? Read this comprehensive review on RBC dental insurance to know all this and more.
You can compare RBC health and dental insurance plans with other providers using our comparator and get free quotes in no time so you can decide if it is the right choice for you or if there's another plan that suits you better.
RBC Dental Insurance: 5 Key Takeaways
- RBC Group Benefit Solutions is a strong consideration for Canadian employers seeking to attract and retain talent.
- It offers a wide range of employee benefits beyond dental insurance.
- RBC excels in tailoring benefit plans to meet the specific needs of each employer and their workforce.
- It offers user-friendly features like a self-serve claims portal and access to healthcare professionals.
- RBC lacks standalone dental insurance plans and may not suit everyone's requirements.
Our 2024 review of RBC dental insurance
RBC doesn’t offer standalone dental insurance, but you can get RBC dental insurance as a part of its Group Benefit Solutions.
RBC Group Benefit Solutions in Canada is one of the largest providers of group benefits in the country, offering a wide range of products and services to help employers attract and retain top talent. RBC's group benefits plans can be customized to meet the specific needs of each employer and their employees and can include coverage for:
- RBC Health insurance
- Dental insurance
- Vision insurance
- Prescription drug coverage
- Disability insurance
- Life insurance
- Employee assistance programs
- Wellness programs
Its standout features include tailored benefit plans, user-friendly claims management with a self-serve portal, access to healthcare professionals, and 24/7 support.
If you are an employer in Canada, RBC Group Benefit Solutions is a great option to consider for your employee benefits needs. However, if you are an individual, looking for solo dental insurance, you may want to check other options. You can do it right here!
Use our comparator below to compare multiple policies and get free quotes for Canada's best health and dental insurance plans in no time.
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Pros of RBC dental insurance
- A self-serve claims management portal
- Access to health care professionals and services
- 24/7 support
- Wellness and mental health support
Cons of RBC dental insurance
- No standalone dental insurance plans
- Less diverse coverage
What does RBC health and dental insurance cover?
Healthcare benefits for RBC health and dental insurance encompass a range of services many of which are not covered by your provincial healthcare like Medical Services Plan or AHCIP:
- Paramedical services: cover a variety of practitioners and therapists including clinical psychologists, chiropractors, audiologists, massage therapists, dietitians, and more.
- Semi-private or private hospital rooms.
- Availability of private-duty nursing services.
- Provision of medical supplies and services: hearing aids, orthopedic shoes, and custom orthotics.
- Accidental dental coverage.
- Inclusion of eye exams and the option to add a vision care benefit.
- Emergency medical travel insurance for out-of-province or out-of-country situations.
Good to know
Is taxation applicable to group health benefits in Canada?
In Canada, group health and dental insurance benefits, such as those provided by RBC Insurance, are tax-exempt when there is a formal agreement between the employer and the employee.
Dental benefit packages coverage
- Basic dental coverage, which encompasses recall exams, scaling, x-rays, fillings, and additional services.
- Alternatively, you can opt for basic dental coverage along with orthodontic services and comprehensive restorative treatments like inlays, crowns, veneers, and dentures.
|Dental Benefit Package
|Basic Dental Coverage
|Basic Dental Coverage + Orthodontic & Restorative Services
Comprehensive restorative treatments (inlays, crowns, veneers, dentures)
We recommend that you compare coverage of other insurance plans before zeroing in on one. You can do that right here using our comparator below and also get quick health and dental insurance quotes.
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Good to know
We must remind you that before buying a private health and dental insurance plan in Canada, you must be covered by the provincial healthcare program like the Ontario health insurance plan or the MSP in BC, etc.
What is RBC’s Spending Account?
Along with RBC dental insurance (or RBC health and dental insurance), you get introduced to a Spending Account, which provides employers with the means to offer added flexibility and choice to their employees.
Your company has the option to allocate credits annually to employees, which they can then use at their discretion to cover eligible health, dental, or wellness-related expenses that may not be covered by your standard benefits plan or provincial health plans.
Employers can provide two types of Spending Accounts to their employees:
Health Spending Account (HSA)
Employees and their eligible dependents can utilize their HSA to cover eligible health and dental expenses that are not reimbursed by their existing plan, including items such as eyeglasses, contact lenses, laser eye surgery, dental implants, orthodontics, and more. It can also be used for expenses related to deductibles or maximums that fall outside their regular plan's coverage limits.
Wellness Spending Account (WSA)
The WSA offers employees the flexibility to use their credits for a wide range of services and items associated with maintaining a healthy lifestyle. This can include fitness equipment and membership fees, sports-related fees, wellness services, non-health professional services, education, personal development, and family care expenses.
Good to know
What’s RBC’s Cost Plus feature? Cost Plus offers the opportunity to cover unexpected medical and dental costs that are not included in the regular benefits plan.
What does RBC dental insurance cost?
The estimated cost of RBC's Group Health and Dental Insurance varies depending on a number of factors, including the type of coverage you choose, the number of employees you have, the ages and health of your employees, and your location.
However, to give you a sample RBC dental insurance Ontario quote, let's assume that you are a small business in Ontario with 10 employees, all of whom are under the age of 35 and in good health. You choose a basic health and dental insurance plan from RBC.
In this case, you can expect to pay approximately $40 per employee per month for health insurance and $20 per employee per month for dental insurance. This means that your total monthly cost for group health and dental insurance would be $600.
|Type of insurance
|Cost per employee per month
|Total cost per month for 10 employees
The actual cost of your plan may vary depending on your specific circumstances. You must consider multiple providers before deciding to buy a plan. You can do it all right here. Use our comparator to not only compare plans but also get personalized quotes.
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How to make RBC insurance dental claims?
To submit a dental claim to RBC Insurance, you can either:
Submit it online
You can submit your claim online through the RBC Group Benefit Solutions portal. To do this, you will need to create an account and log in.
- Once logged in, click on the "Claims" tab and select "Submit a claim."
- You will then need to enter the required information, such as your policy number, dentist's information, and the details of your dental services.
Submit it by mail
You can also submit your claim by mail by filling out a dental claim form and sending it to RBC. The RBC dental insurance mailing address to send your claim to will vary depending on your province or territory. You can find the correct address on the RBC Insurance website.
When submitting your claim, you will need to attach the following documentation:
- A copy of your dental insurance card
- A copy of your dentist's receipt
- A copy of your dentist's treatment plan (if applicable)
If you are submitting your claim online, you can upload these documents directly to the RBC Group Benefit Solutions portal. If you are submitting your claim by mail, you can mail the documents to RBC Insurance along with your claim form.
Good to know
What happens after you submit the RBC dental claim form? Once RBC Insurance has received your claim, they will review it to determine if it is covered under your policy. If your claim is approved, RBC Insurance will pay your dentist directly. If your claim is denied, RBC Insurance will send you a letter explaining why.
What is the RBC dental insurance contact number?
The RBC Dental Insurance phone number is 1-855-264-2174. You can call this number to get assistance with submitting a claim, checking your coverage, or any other questions you have about your RBC dental insurance plan.
- You can also contact RBC Dental Insurance online through the RBC Group Benefit Solutions portal.
- To do this, you will need to create an account and log in.
- Once you are logged in, you can click on the "Contact Us" tab and send a message to RBC Insurance customer service.
RBC Dental Insurance is known for providing good customer service to its clients. If you have any questions or concerns about your dental insurance plan, please do not hesitate to contact them.