Sunlife Dental Insurance: Coverage, Benefits and FAQs

When it comes to our dental health, it’s important to have a reliable insurance provider that can cover our needs. Sunlife Dental Insurance is one of the leading providers in the market, with policies that cater to individuals, families, and companies.

What Is Sunlife Dental Insurance?

Sunlife Dental Insurance is a dental insurance provider that offers its services to individuals and groups. It is part of the larger Sun Life Financial Inc. that has been providing financial security to customers since 1865. As a provider, Sunlife Dental Insurance aims to offer customers affordable dental insurance coverage that meets their specific needs.

The company offers four different dental plans: Basic, Enhanced, Preferred and Premier, each with varying levels of coverage and benefits. With Sunlife Dental Insurance, customers can enjoy the peace of mind that comes from having reliable dental coverage when they need it.

What Are the Benefits of Sunlife Dental Insurance?

Sunlife Dental Insurance offers several benefits to customers. These benefits include:

Benefits
Details
Flexible coverage options
Customers can choose from four different plans, each with varying levels of coverage and benefits, to find the one that suits their needs best.
Extensive network of dentists
Sunlife Dental Insurance has a large network of dentists, which ensures that customers can find the right dental care provider in their area.
No waiting periods
There are no waiting periods for preventive and basic services, so customers can access dental care right away.
Coverage for major services
Sunlife Dental Insurance covers major services such as bridges, crowns, and dentures, providing customers with financial protection when they need it most.
Annual maximums
Customers can benefit from annual maximums for each plan, which can be used to cover the cost of dental services that exceed the plan’s coverage.

What Are the Coverage Options?

As mentioned earlier, Sunlife Dental Insurance offers four different dental plans, each with varying coverage options. These plans are:

Basic

The Basic plan covers most preventive services, including routine exams, cleanings, and X-rays. It also covers basic procedures, such as fillings and extractions. This plan is suitable for individuals who need basic dental care.

Enhanced

The Enhanced plan covers everything that the Basic plan covers, as well as more extensive procedures like root canals and periodontics. This plan is suitable for individuals who require more comprehensive dental care.

Preferred

The Preferred plan covers all services in the Basic and Enhanced plans, as well as orthodontics for adults and children. This plan is suitable for individuals who need dental care for themselves and their family members, including orthodontic treatment.

Premier

The Premier plan covers all services in the Basic, Enhanced, and Preferred plans, as well as more extensive procedures like bridges, crowns, and dentures. This plan is suitable for individuals who require the most comprehensive dental care.

FAQs

Does Sunlife Dental Insurance cover pre-existing conditions?

Yes, Sunlife Dental Insurance covers pre-existing conditions, but there may be restrictions on coverage for certain services. It is important to read the policy carefully before signing up.

Can I see any dentist with Sunlife Dental Insurance?

Yes, you can see any licensed dentist with Sunlife Dental Insurance. However, you may receive higher benefits if you see a dentist within the company’s network.

What is the annual maximum for each plan?

The annual maximum varies depending on the plan. The Basic plan has an annual maximum of $1,000, while the Enhanced, Preferred, and Premier plans have annual maximums of $1,500, $2,000, and $2,500, respectively.

Is there a waiting period for preventive services?

No, there is no waiting period for preventive services with any of Sunlife Dental Insurance’s plans.

Can I add dependents to my plan?

Yes, you can add dependents to your plan. The company offers family plans that cover spouses and children.

In conclusion, Sunlife Dental Insurance offers a comprehensive range of dental insurance plans that cater to the needs of individuals, families, and companies. With its extensive network of dentists and flexible coverage options, customers can enjoy peace of mind knowing that they have reliable dental coverage when they need it.