Desjardins dental insurance: is this a good idea for you?

You cannot purchase dental insurance alone with Desjardins. Dental care coverage is an integral part of the offer Health care insurance proposed by the insurer. Dental implants are not covered by Desjardins insurance.

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In this section:

1. Desjardins: medical and dental care insurance
2. What is Desjardins dental insurance?
3. What does Desjardins medical and dental insurance cover?
4. How does Desjardins dental insurance work?
5. Desjardins: your private dental insurer of choice
6. What is the advantage of subscribing to Desjardins dental insurance?
7. What is the scope of dental insurance services at Desjardins?
8. Desjardins drug insurance
9. Desjardins vision care
10. Home care and nursing care Desjardins
11. Emergency medical care while traveling
12. Why take Desjardins dental insurance?
13. Who is Desjardins dental insurance for?
14. How much does Desjardins dental insurance cost?
15. How to contact Desjardins dental insurance?
16. How to make a claim with Desjardins dental insurance?
17. How do I cancel Desjardins insurance?
18. Our opinion on Desjardins “Dental Insurance” solutions

Desjardins: medical and dental care insurance

Desjardins Group is a Canadian financial services cooperative and the largest federation of credit unions in North America. It was founded in 1900 in Lévis, Quebec by Alphonse Desjardins. Although its head office remains in Lévis, most of the general management, including the CEO, is based in Montreal.

Visits to the dentist are not always pleasant. Not only for those times when your mouth will be examined, but also because you will have to pay a large sum of money.

Dental care is really expensive in Quebec. This is why it is always better to take out private dental insurance. This will allow you to benefit from the best care, without worrying about your wallet.

In addition, by choosing Desjardins dental insurance, you will be able to benefit from great flexibility in terms of offers, and above all obtain multi-coverage discounts.

Health care insurance is distributed in Quebec by Desjardins Financial Security, a financial services firm.

What is Desjardins dental insurance?

Dental insurance Gardens is a dental insurance plan offered by Desjardins Group, a financial cooperative in Canada. The plan covers dental services, including preventive care, diagnostic services and treatments. It also includes coverage for orthodontic services for children and adults.

In addition, this insurer offers healthcare insurance health inindividual. This coverage covers medical, paramedical, dental and vision care for you, your spouse or your entire family.

The dental insurance plan is not available for purchase alone.

What does Desjardins medical and dental insurance cover?

THEdental insurance or health care Desjardins allows you to benefit from a personalized coverage plan based on your profile and your budget. This insurer with its basic or enriched plans offers you different levels of refund.

It can be used to pay for expenses that are not covered by the card RAMQ or by government health insurance plans, particularly:

• Coverage for prescription drugs
• Services of health specialists, physiotherapists, chiropractors, psychologists, etc., and general practitioners
• Dental care with two levels of protection, one of which includes orthodontic care.
• Comprehensive travel insurance when traveling outside your province of residence
• Vision care
• Free support help
• Diagnostic services not offered in hospitals
• Home nursing care and ambulance transport
• Therapeutic equipment (orthoses, prostheses, etc.)
• And more

You have the choice between two plans with Desjardins insurance:

• the basic formula
• the extended formula

Desjardins dental insurance that suits you

The Desjardins dental plan consists of two services:

• SOLO insurance
• VISION insurance

There are four subscription options to choose from. You can request a quote for insurance:

• Individual
• Couple
• Family
• Single parent family.

The Bronze, Silver and Gold plans offer:

• Preventive care – Examinations, x-rays, laboratory tests and examinations, preventive service
• Basic care – Restoration, endodontics, periodontics, maintenance of removable prostheses, oral surgery
• Major restorative care – Removable dentures, fixed dentures (bridges), other simple restorations

These insurance products obviously have different parameters and result in different guarantees and insurance premiums. However, the main features of SOLO and VISION dental insurance are:

• Hospital care coverage (private room)
• Elimination of prorations (calculation on a contractual rather than annual basis)
• Reimbursement of consultations with the optometrist
• Reimbursement of costs of health professionals and alternative medicine practitioners
• Drug protection
• Dental care coverage including major care
• Increased limit for supplementary health insurance
• And much more!

Desjardins: your private dental insurer of choice

Desjardins is currently the second largest insurer in Quebec, and the fifth in Canada. Over the years, the structure has managed to position itself as one of the leaders in private dental insurance.

Users no longer face problems, especially when it comes to paying their healthcare claims. Find all the information relating to this procedure on its website. But this does not mean that you will be able to subscribe to a individual insurance online.

Desjardins now offers health care insurance that includes dental care. You can request a subscription for individual, couple, family, or single-parent family insurance.

What is the advantage of subscribing to Desjardins dental insurance?

Be protected if you are an employee without collective insurance, part-time, seasonal or occasional or a self-employed worker.

The best way to ensure good oral hygiene is to take out private dental insurance. From then on, you will be able to carry out all the treatments you need, without it costing you a fortune. Desjardins dental insurance covers many dental costs, both for you and your family. It is part of health care insurance.

Desjardins insurance offers several health and dental insurance coverages. In particular, medical and paramedical care, vision care, prescription drugs, dental care, hospitalization and advanced medical services.

Comparable to group insurance, this insurance will allow you to obtain compensation for medications or care not reimbursed by your provincial health insurance. It provides you with good protection, especially if you are self-employed, or an employee without group insurance, a seasonal, casual, or part-time employee.

In addition, you have the option of paying monthly or annually for your protection by pre-authorized withdrawals. The automatic routing, online, by telephone, of claims for medications and dental care is another advantage of subscribing to Desjardins dental insurance.

What is the scope of dental insurance services at Desjardins?

Desjardins dental insurance provides reimbursements when legal health insurance does not intervene or does not intervene sufficiently.

Whether for dental appliances, a crown, a bridge, to remove wisdom teeth, to redo teeth, or even for skeletal prostheses, periodontology, and orthodontics, etc., private dental insurance Desjardins is truly the solution so that the cost of your dental care no longer gives you gray hairs.

Reimbursement of expenses not covered by provincial health insurance may even concern certain medications and professional fees, as well as vision care, hospitalization, advanced medical services, and alternative medicine.

With Desjardins dental insurance, you have the choice between basic protection or extended protection. If you need to travel outside your province, be aware that Desjardins health care insurance also includes travel insurance. Furthermore, combining at least 2 eligible coverages on the same contract will allow you to benefit from multi-coverage discounts. You will also have the option of paying for your protection by pre-authorized direct debit.

THEindividual insurance provides the same type of benefits as group insurance and covers health care excluded from your provincial health insurance plan.

Desjardins drug insurance

Desjardins insurance offers drug insurance to its members, for individuals and families. This coverage can help pay for prescription drugs, over-the-counter medications, and other medical expenses.

Several plans are available (bronze, silver, gold), so you can choose the one that best suits your needs.

Desjardins drug insurance is an essential service for anyone who relies on prescription drugs to maintain their health.

The Desjardins drug insurance plan covers a wide range of medications, both branded and generic. Additionally, the plan offers a variety of benefits and discounts that can help reduce the cost of prescription drugs.

Desjardins drug insurance is a program that helps members pay for their prescription medications. The program has two components: the Desjardins Prescription Drug Program and the Desjardins Drug Plan.

The Desjardins Prescription Drug Program helps members pay for prescription drugs that are not covered by their provincial drug plan.

The Desjardins Drug Plan helps members pay for prescription drugs covered by their provincial drug insurance plan.

The eligible medications are those that can only be obtained by prescription:

• Bronze option – 75% Mandatory generic substitution and $750 payable / calendar year
• Silver Option – 75% Mandatory generic substitution and $1000 payable / calendar year
• Gold option – 90% Mandatory generic substitution and $2000 payable / calendar year

Desjardins Drug Insurance: Reimbursement

Desjardins drug insurance offers extensive coverage to help policyholders manage the costs of prescription drugs. This insurance aims to ease the financial burden on individuals by allowing them to focus on their well-being rather than medical expenses.

What is covered?

Desjardins reimburses a wide range of prescribed medications, including those for chronic conditions and short-term treatments. Coverage also includes certain over-the-counter medications when prescribed by a doctor. Policyholders can also benefit from coverage for medical supplies needed to administer medications, such as syringes and needles for injectable treatments.

How does reimbursement work?

The refund process is designed to be quick and easy. Policyholders can submit their claims online via the Desjardins customer portal or by mail. Generally, Desjardins processes claims within a few business days, and reimbursements are directly deposited into the insured's bank account. It is important to keep all receipts and documentation relating to the prescription to facilitate the claims process.

Benefits for policyholders

In addition to drug reimbursement, Desjardins drug insurance offers other benefits, such as access to online health services, pharmaceutical advice, and support programs for the management of chronic diseases. These complementary services aim to offer a holistic approach to well-being and to help policyholders effectively manage their health.

Desjardins drug insurance is a valuable resource for those looking to minimize the costs of their medical treatments while benefiting from comprehensive support for their health.

Desjardins vision care insurance

Desjardins vision care insurance is a type of health insurance that covers the cost of vision care services. Vision care insurance is usually offered as part of a health insurance plan.

It is offered by the insurer Desjardins in the health care insurance policy. depending on your priorities and your budget.

This insurance plan covers the cost of eye exams, prescription glasses and contact lenses. It also covers the cost of laser eye surgery for eligible members.

Desjardins vision care insurance is a great way to ensure that you and your family have the coverage you need.

Home care and nursing care Desjardins

Desjardins home and nursing insurance is a great way to protect your family in the event of an unexpected illness or injury. Coverage includes nursing care, hospitalization and medications, as well as a number of additional benefits.

• Bronze Option – 80 % 150 $ eligible / day and 3 000 $ payable / calendar year
• Silver Option – 80 20%0 $ eligible / day and 4 000 $ payable / calendar year
• Gold Option – 90 225% $ eligible / day and 5 000 $ payable / calendar year

Emergency medical care while traveling Desjardins

When you're traveling, the last thing you want to worry about is whether or not you're covered for medical emergencies. The Desjardins Emergency Travel Medical Plan eliminates the guesswork and gives you the peace of mind you need to enjoy your trip.

The Desjardins Emergency Travel Medical Care plan offers comprehensive coverage for emergencies both in Canada and abroad. You will have access to a wide range of medical services, including ambulance transportation, hospital care and prescription medications.

And you don't have to worry about what's covered and what's not – the plan includes great coverage for medically necessary expenses

• Bronze Option: 100 % $1 million payable/life for First 60 days of a stay. L'Health condition must be stable for 6 months
  preceding the start date of the tripe.
  
• Silver Option: 100 % $1 million payable life for the 9First 0 days of a stay. L'State of health must being stable 6 months
  preceding the start date travel.
  
• Gold Option: 100 5% million dollars payable/life annuity for First 180 days of a stay (reduced to 90 days after age 70). L State of health must being stable 3 months preceding the start date travel.
  

Why take Desjardins dental insurance?

Desjardins dental insurance covers a wide range of dental procedures, including exams, cleanings, x-rays, braces and root canals.

Desjardins also offers a wide variety of dental insurance plans, so you can find one that fits your needs and budget. Plus, you can combine your dental insurance with your health insurance for even more savings.

So why not take out Desjardins dental insurance? It's a way to protect your oral health and your wallet.

The main advantages of Desjardins dental insurance are that it allows for the automatic routing of some of your medication and dental payments.

On the other hand, the possibility of choosing between basic and extended formulas allows you to choose the option that best suits your needs.

Compared to group insurance, you can obtain compensation for medications or care that are not reimbursed by your provincial health insurance.

Who is Desjardins dental insurance for?

Desjardins dental insurance is aimed at individuals and families who are not covered by a workplace dental plan and who wish to benefit from dental coverage.

It is also aimed at people covered by a dental plan at work, but who want more extensive coverage.

This is a voluntary dental insurance plan that provides coverage for preventative, basic and major dental services. It's designed to help people save money on their dental care, and it offers 3 different plans to choose from.

How much does Desjardins dental insurance cost?

Desjardins is a mutual insurance company that mainly offers life, health and dental insurance. The cost of Desjardins dental insurance varies depending on your age, the level of coverage you choose and the province in which you live,

Dental insurance can be expensive, but the insurer offers a variety of plans to suit your needs and budget.

Unfortunately, it is not possible to obtain an insurance premium directly online via the Desjardins website. However, there are a few other ways to do this.

You will need to go through a specialized broker or Desjardins representative to purchase your insurance. Brokers are regulated by the government and are required to follow specific rules and regulations when making trades. Choosing a reputable broker is essential to ensuring a smooth and safe experience when purchasing your dental insurance.

To find out the price of dental insurance, you can go to one of the Desjardins funds. Your profile will determine the dental insurance price that you pay for coverage.

How to contact Desjardins dental insurance?

To obtain information on your contract or declare a change of address, call the following number: 1 888 558-5525, service available Monday to Friday from 9 a.m. to 17 p.m.

How to make a claim for dental care with Desjardins?

Would you like to obtain reimbursement for your dental expenses with this insurer?

Simply :

• complete the dental insurance claim form here.
• send it, with supporting documents to the address: Desjardins Assurances, CP 3950, Lévis (Québec), G6V 8C6.

How do I cancel Desjardins insurance?

To cancel your Desjardins insurance, please call this number 1 888 277-8726.

Don't be afraid to ask for help if you need it. Contact an insurance agent and they will be able to advise you on your situation based on the content of your files.

Once the cancellation is made, you will receive a confirmation by mail.

Our opinion on Desjardins “Dental Insurance” solutions

• It is impossible to take out individual insurance online
• It is not possible to obtain a price directly online through their site
• Dental insurance premiums are 20% more expensive than the regular offer on the dental insurance market, for the same protections
• Dental implants are not covered by their insurance
• Health insurance brochures and information sheets are very difficult to find on the site