The dental insurance gap for seniors in Canada
As we get older, our dental needs can change. You might need dentures, or find that older fillings now require a root canal, or you’re taking a medication that can cause dry mouth.
At the same time, there’s a good chance you don’t have access to workplace benefits anymore now that you’re retired. You might may also be on a lower income than you’re used to, making big ticket out-of-pocket costs harder to cover.
This creates a gap in coverage, especially if you’re not eligible for government dental benefits either.
Not all Canadian seniors are covered by the Canadian Dental Care Plan (CDCP)
While some seniors may be covered for some dental care by the CDCP, not everyone is covered – and not all costs are either.
For example, you’re not eligible if your family income is more than $90,000 each year. And, if you earn between $70,000 and $89,999, you’re only partially covered.
It’s also important to know that the CDCP does not cover all possible dental procedures, and they may not cover the full amount charged by the dental practice. There’s also a possibility that your preferred dentist might not participate in the CDCP.
If you’re not eligible – or you find that the coverage offered by the CDCP isn’t enough – you might consider private dental insurance like Freedom to Choose health and dental insurance instead. With plans starting at just a few dollars a day, you can choose the coverage you need, including for big-ticket items like crowns or dentures.
Unlike the CDCP, there are no income restrictions and you’re never too old for coverage. Plus, if you apply within 60 days of leaving another plan, you’re guaranteed coverage.
Finding an affordable plan that best fits your needs
Everyone is different – and so is the best dental insurance plan for you.
You might want more coverage if you wear dentures, or you anticipate needing major procedures like a crown. You may need less coverage if you only want to visit the dentist once a year or you’re working with a tighter budget.
With flexible coverage from Freedom to Choose health and dental insurance, you’re able to find the right plan for you – with predictable monthly costs that can you help you avoid the sticker shock of a surprise dental bill.
For example, you can choose from 3 tiers of coverage. You can also add coverage for major dental – crowns, dentures, bridges – to some plans. You can apply in just 15 minutes online.
Plus, Freedom to Choose health and dental insurance can also include coverage for other health needs for seniors not covered by government healthcare, like physiotherapy, mental health professionals and glasses or contacts.