Are Braces Covered By Dental insurance Canada?

By Danny B

Keeping our teeth in good condition plays a crucial role in maintaining our overall health, but without proper coverage, getting different dental procedures and treatments done can prove to be costly.

And in a country where oral and dental care is often excluded from public health plans, taking out dental insurance can reap benefits.

 

How does dental insurance work in Canada?

When it comes to dental and oral care, Canadians are mostly responsible for finding ways to finance different treatments and services. Here are four ways you can do so:

  1. Through third-party insurance or coverage that you get from your employer
  2. Through private dental insurance or coverage that you have taken out on your own
  3. By paying for treatments and services directly out of pocket
  4. Through government-subsidized programs, if you meet eligibility requirements

The reason is that general oral and dental health care is not covered under the Canada Health Act (CHA).

 

What does dental insurance cover in Canada?

Different dental insurance policies in Canada offer varying levels of coverage. Most basic plans pay out for preventative dental care services, which includes the following:

  • Check-ups
  • Cleaning or scaling
  • Dental examinations and diagnosis
  • Fillings
  • Simple extractions
  • X-rays
  • Other laboratory tests

More extensive plans also cover restorative dental treatments such as:

  • Bridges
  • Crowns
  • Dentures
  • Endodontics (dental pulp)
  • Inlays/onlays
  • Oral surgery
  • Periodontics (gums)
  • Root canal

Does dental insurance cover braces?

Most comprehensive dental insurance plans also cover orthodontic procedures, which include braces and other corrective dental treatments. But just like many restorative services, copayments for orthodontic procedures follows a 50:50 model, meaning you will need to pay for half of the bill.

Getting braces in Canada can be expensive as well. This is often the main reason why many Canadians are hesitant to get them even if the need arises. The cost primarily depends on the kind of braces you choose, with the average price ranging between $3,000 and $10,000. The table below details how much the different types of braces can cost you.

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