Dental Insurance
Related FAQs
Are orthodontics covered by health insurance?
Most health and dental insurance plans generally do not cover orthodontics.
The few plans that do typically offer limited orthodontic coverage, for example, 50% coverage up to a maximum of $2,000 per lifetime. These plans also usually have a waiting period of about 2 years before the orthodontic benefit becomes available.
The few plans that do typically offer limited orthodontic coverage, for example, 50% coverage up to a maximum of $2,000 per lifetime. These plans also usually have a waiting period of about 2 years before the orthodontic benefit becomes available.
Can you cancel health and dental insurance?
Yes, you can cancel your health and dental insurance plan at any time.
However, there may be a waiting period if you decide to re-enroll in a plan after cancellation. To learn more about specific policies from Alberta Blue Cross, Canada Life, Manulife, and Sun Life, visit our website Aeva.ca.
However, there may be a waiting period if you decide to re-enroll in a plan after cancellation. To learn more about specific policies from Alberta Blue Cross, Canada Life, Manulife, and Sun Life, visit our website Aeva.ca.
What is individual health and dental insurance?
Health and dental care plans are sometimes referred to as 'individual,' 'private,' 'extended,' or 'supplemental' health and dental insurance.
These are all synonymous terms and really just different labels attempting to describe the exact same thing. That is: a health and dental insurance plan that you own, you pay for, and you control. You have a direct relationship with the insurance company.
When they are referred to as 'extended' or 'supplemental,' it is because they are designed to extend (aka supplement) your provincial government health care plan.
When they are alternatively referred to as 'private' or 'individual,' it is because they are paid for and owned by you - as opposed to paid for by someone else on your behalf (e.g., an employer or the government).
These are all synonymous terms and really just different labels attempting to describe the exact same thing. That is: a health and dental insurance plan that you own, you pay for, and you control. You have a direct relationship with the insurance company.
When they are referred to as 'extended' or 'supplemental,' it is because they are designed to extend (aka supplement) your provincial government health care plan.
When they are alternatively referred to as 'private' or 'individual,' it is because they are paid for and owned by you - as opposed to paid for by someone else on your behalf (e.g., an employer or the government).
How long can my child remain on my health and dental plan?
The duration for which your child can remain on your health and dental plan varies depending on the policy provider.
Manulife:
Dependent children can stay on their plan up to the age of 21.
Sun Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program.
Canada Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program. Most group benefit plans cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Manulife:
Dependent children can stay on their plan up to the age of 21.
Sun Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program.
Canada Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program. Most group benefit plans cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Do I need dental insurance?
Dental coverage is often bundled with health insurance plans, but you also have the option to choose health care coverage only. Deciding whether to have dental insurance is a personal choice.
If you and your family visit the dentist frequently, dental insurance could offer more value for you compared to those who visit less often.
Dental coverage acts more like a financing arrangement rather than traditional insurance. Dental expenses are typically not as financially devastating as major health care costs.
To explore this topic further, read our full blog post: Is Dental Insurance Important to Have?
If you and your family visit the dentist frequently, dental insurance could offer more value for you compared to those who visit less often.
Dental coverage acts more like a financing arrangement rather than traditional insurance. Dental expenses are typically not as financially devastating as major health care costs.
To explore this topic further, read our full blog post: Is Dental Insurance Important to Have?
Where can I find my health and dental plan numbers?
You can find your health and dental Plan numbers and ID numbers on your wallet cards that come with your welcome kit and health insurance policy documents.
If you're unable to locate your Plan and ID numbers, please email support@aeva.ca and we'll be glad to assist in recovering these numbers for you.
If you're unable to locate your Plan and ID numbers, please email support@aeva.ca and we'll be glad to assist in recovering these numbers for you.
Why should I have health and dental insurance?
Ensuring you have individual health and dental insurance is essential to cover costs not included in your provincial government health care plan. These out-of-pocket expenses can include prescription drugs, treatments by licensed health care practitioners, dental visits, vision care, and even ground/air ambulance rides. Without the right health insurance policy, these costs can accumulate rapidly, impacting your financial well-being. Health and dental insurance offer peace of mind by protecting you from unexpected medical expenses.
With health insurance brokerage services like Aeva, Canadians can find the best health insurance plans from top providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life. This ensures you get comprehensive coverage tailored to your specific needs.
With health insurance brokerage services like Aeva, Canadians can find the best health insurance plans from top providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life. This ensures you get comprehensive coverage tailored to your specific needs.
How do I make a health or dental insurance claim?
If you need to make a health or dental insurance claim, your health care provider may have already submitted it on your behalf using your Plan and ID numbers.
If your provider has not submitted your claim, you can do it yourself either online or by mail.
To submit your claims online:
- Do so within 12 months of the date you were charged.
- Ensure you've paid more than any deductible in your plan.
- Specify the currency if your claim is for services outside Canada.
- Keep original receipts and applicable supporting documentation for 12 months.
To submit your claim on paper by mail:
- Submit within 12 months of the date you were charged.
- Ensure you've paid more than any deductible in your plan.
- Specify the currency if your claim is for services outside Canada.
- Include original receipts and applicable supporting documentation.
- Make sure you've signed your claim form.
What is the time limit for submitting a health or dental claim?
You have 12 months from the date you incurred an expense for a health and dental service to submit your claim for reimbursement.