Sudden dental expenses can strain anyone's financial situation. Knowing that there is an insurance company to cover those costs can be a huge relief.

One such plan is Blue Cross Dental Coverage to safeguard your dental well-being.

For those without access to group insurance, Blue Cross dental insurance in Canada is ideal because it provides financial security and peace of mind.

It further fills the gaps created by provincial health plans, such as the coverage provided by OHIP.

Learn More: OHIP Dental Coverage List: Key Updates for 2024

What is Blue Cross Dental Insurance in Canada?

If your current plan does not offer enough coverage and you want to add additional coverage, you can opt for Blue Cross dental insurance.

Ontario Blue Cross dental insurance can reduce the costs of routine dental care and oral surgeries not covered by the Ontario Health Insurance Plan.

You can be sure that if you have an unanticipated dental issue, you won't have to worry about paying a large dental bill to get the necessary care.

Blue Cross dental insurance in Ontario offers a variety of affordable and flexible health insurance plans customized for individuals and their families.

Also Read: Canada Life Dental Public Service: How Does Canada Life Dental Coverage Work

How Much is Blue Cross Dental Insurance?

The type of coverage chosen, your family's size, age, and location all affect the Blue Cross dental insurance cost. Family plans may be more expensive than individual plans. Typically, you can expect to pay between $30 and $80 a month for individual plans.

What Does Blue Cross Dental Insurance Cover?

Preventive care: Regular examinations, X-rays, fluoride treatments, and cleanings.

Basic care: Root canals, extractions, and fillings.

Major restorative care: Bridges, dentures, and crowns.

Orthodontics: Coverage may be added as an add-on for children or teenagers.

Benefits of Blue Cross Dental Coverage

According to your needs, you select from three levels of coverage offered by Blue Cross dental insurance: Entry, Essential, and Enhanced. These levels offer 60%, 70%, and 80% Coverage, respectively.

Blue Cross dental insurance in Canada offers basic dental insurance coverage for as low as $36.51 monthly. Keep in mind that this is the price for a single person. Hence, families and couples will have to pay more.

Nevertheless, the low-priced plans only cover only preventive and basic care. If you want complicated care, such as an implant or a crown, you may have to pay a substantial out-of-pocket cost.

Here is what these levels look like for various dental treatments:

1.Assessment, X-rays, Cleanings, and Fillings

Entry: It provides 60% coverage, which is $500 per annum, and the waiting period is six months.

Essential: The waiting period is again six months.

Enhanced: There is a six-month waiting period.

2.Tooth Extraction & Root Canal

For these treatments, there is a six-month waiting period to avail of the essential and enhanced coverage levels.

3.Periodontal Treatments

Enhanced: It offers 60% coverage, which equals around $1200 annually, and you have to wait two years.

4.Major Dental Treatments

Enhanced: It offers 60% coverage, which equals around $500 annually, and the waiting period is 24 months.

5.Orthodontics

Enhanced: These treatments are for individuals 18 years old or under. This also provides 60% coverage, which equals around a $1500 lifetime limit, which makes the reimbursement limit $125 a month. And the waiting period is 24 months.

Eligibility Criteria for Blue Cross Dental Insurance in Ontario

Just like any other insurance plan available in Canada, for Blue Cross dental insurance, you need to tick some boxes to get the plan. These requirements include:

Being a citizen of Ontario
Having an active OHIP card
Not being admitted to a hospital
Satisfy the requirements for the treatment you desire to get

If you reside in any other province than Ontario, you will need a valid provincial health insurance card.

Procedure to Claim Blue Cross Dental Insurance in Canada

It is imperative that you have your Blue Cross Canada dental coverage identity card with you when you make your first appointment with the dentist.

This card usually contains information like your policy number, effective coverage dates, and the insurance provider's contact information.

Here are the steps the dentist may follow to get the coverage:

1.Verification of the Coverage

To ensure the patient gets reimbursed, the dentist can use the Blue Cross insurance identification card to confirm the coverage details and ensure the dental treatment is received within the covered period.

If a certain procedure needs pre-authorization, the dentist can use the details from the insurance identification card to start the request process.

This reduces the possibility of coverage disputes by enabling approval from the insurance company prior to beginning treatment.

2.Claim Form for Blue Cross Health and Dental Insurance

Your dentist can typically use an electronic data interchange (EDI) system to automatically submit claims.

All you'll need to do is provide your policy and ID numbers if your dentist has EDI.

The concerned authority will receive your claim electronically from your dentist and mail you or your dentist a check for qualified costs.

If your dentist does not have EDI, you can simply turn in the dental claim form that your dentist gave you after filling it with all the required details.

To get a soft copy of the form, you can click here.

If you want the form to be accepted without difficulties, submit it within the timeframe specified by the insurer.

Furthermore, Blue Cross dental coverage will provide you coverage on the first of the month.

If you were required to provide information about your medical history during the selection process, your coverage may not begin for a few weeks. There can be a waiting period for particular benefits included in the insurance.

3.Submit Claims

The dentist may begin the claims filing procedure on the patient's behalf by using the identification card. This entails giving the insurance company the information they require to verify that the medical records correspond to the coverage specified in the insurance plan.

4.Attain Benefits For Treatments

The dentist may use different benefits if the patient requires more than one treatment. When several dental insurance plans cover a person, coordination of benefits is relevant.

When a patient has two or more insurance plans, including their spouse or parent's plan and their own dental plan, benefit coordination ensures that the available coverage from all of the plans is maximized to reduce out-of-pocket costs.

FAQs

Which provinces can get Blue Cross dental coverage?

Blue Cross dental insurance serves all of Canada's provinces and territories, including British Columbia, Ontario, Alberta, Quebec, and Atlantic Canada. However, plans and coverage specifics may change depending on local laws.

Do I need to go to a specific dental clinic that accepts a Blue Cross dental insurance plan?

No, if you have Blue Cross dental insurance, you can typically visit any licensed dentist in Canada. Direct billing, though, might only be offered by certain dental offices.

Does Blue Cross dental insurance cover the cost of braces?

No.

Contact KWC Dental’s Dentists in Kitchener for More Information

Blue Cross dental insurance is one of Canada's leading companies offering dental insurance. They provide a wide range of dental insurance policies tailored to the requirements of corporations, families, and individuals.

It is a dentist's responsibility to use the information to contact the patient's insurance provider directly when more information or clarification is needed. This makes information interchange more effective and accurate, guaranteeing that the patient's coverage is appropriately understood and used.

If you want to make your dental care journey easy, reasonably priced, and attainable, contact us today!

Blue Cross Dental Insurance In Canada: Coverage, Benefits & More