Quebec Dental Insurance FAQ: Complete Guide

Let’s take a deep dive into the 50 most common dental insurance FAQs.

1. What is dental insurance in Quebec?

Dental insurance in Quebec helps cover some of the costs associated with dental care, including exams, cleanings, x-rays, fillings, and more. For more details, see our page on dental insurance basics.

2. What types of care are covered by dental insurance?

Plans vary, but generally, covered care includes:

• Preventative care: Cleanings, exams, and x-rays.
• Restorative care: Fillings, crowns and root canal treatments.
• Orthodontics: Covered in some plans for children and adults. More information.

3. What are the best dental insurances in Quebec?

There are several insurance companies in Quebec, such as Desjardins, Blue Cross, and La Capitale. For a comparison of plans, visit our page dedicated to dental insurance comparison.

4. Can I choose any dentist with my insurance?

It depends on the type of plan you have. Some PPO plans allow you to choose any dentist, while others require you to use in-network dentists to get maximum coverage. Check out our guide on the choice of dentists.

5. What is the annual coverage limit?

The cap typically ranges from $1 to $000 per year depending on your plan. You can check out our article for tips on How to maximize your coverage.

6. Are orthodontic treatments covered?

Yes, but it depends on the plan you choose. Some policies partially cover braces, while others only cover children. Discover our recommendations.

7. Are dental implants covered?

Dental implants are often excluded from basic plans, but some policies cover a portion of the cost of implants. To learn more, visit our section on implant care.

8. How to make a dental insurance claim?

After receiving care, you can submit a claim directly to your insurer through their website or mobile app. For detailed instructions, check out our guide on How to submit a claim.

9. Is there dental insurance with no waiting period in Quebec?

Yes, some companies offer policies with no waiting period, especially for preventative care. We have listed the available plans on our dedicated page here.

10. Can I change my dental insurance during the year?

You can usually change your coverage during the annual enrollment period or during major life events. For more information, visit our article on change of insurance.

11. What is the difference between individual and family dental insurance?

Individual dental insurance covers one person, while family insurance covers multiple family members, often with savings on premiums. For more information, check out our guide here.

12. Is emergency dental care covered?

Yes, some plans cover emergency care like emergency extractions, root canals for acute pain, etc. Learn how coverage works for dental emergencies.

13. What is a waiting period?

A waiting period is the length of time before certain treatments are covered by your insurance. Some plans cover basic care right away, but more complex treatments may require a waiting period of 6 to 12 months. For detailed information, visit our article on waiting periods.

14. Can I get dental insurance if I am retired?

Yes, there are policies specifically designed for retirees, with coverage tailored to the needs of seniors. Learn more about options for Retired.

15. What is an annual maximum?

An annual maximum is the maximum amount your dental insurance will cover for your care each year. Once this amount is reached, you will be responsible for paying the remaining costs. See our page for advice on How to manage your annual maximum.

16. Is periodontal care covered?

Yes, periodontal care, like gum disease treatment, is often covered by advanced insurance plans. Visit our guide on periodontal care.

17. What is coinsurance?

Coinsurance is the percentage you have to pay after your insurance covers its share. For example, if your plan covers 80%, you will have to pay the remaining 20%. Learn how to optimize your coinsurance.

18. What care is not covered by dental insurance?

Some cosmetic treatments like teeth whitening, veneers, and some types of implants may not be covered. Learn more about Common exclusions.

19. Can students get dental insurance?

Yes, many companies offer plans specifically for students, with discounted rates. To learn more, visit our dedicated page student insurance.

20. How do I cancel my dental insurance?

To cancel your policy, contact your insurer directly. There may be cancellation fees depending on the terms of your contract. Find out the steps to cancel your insurance.

21. How to save on dental care?

To reduce your costs, use the services of a dentist in your insurer's network, and prioritize preventive care to avoid more expensive treatments in the long term. Consult our guide to save on care.

22. Are dental crowns and bridges covered?

Yes, but it depends on the level of coverage in your plan. Some plans cover 50% to 80% of the cost. More details on crowns and bridges.

23. What documents are required for a claim?

You will need a copy of the dentist's bill, a claim form, and sometimes a medical report. Check out our guide on required documents.

24. What is a direct refund?

Some dentists offer direct reimbursement, where your insurer pays the dentist directly, saving you from having to pay up front. Learn more about direct reimbursement.

25. Are children covered by dental insurance?

Yes, family dental insurance generally covers children up to a certain age. Visit our page to learn more about children's coverage.

26. Are night devices covered?

Some plans cover nighttime appliances to treat bruxism (teeth grinding). For more information, see our page on night devices.

27. Can I get dental insurance if I already have dental problems?

Yes, but some plans may exclude care for existing dental conditions. Learn how to get the best coverage for existing dental conditions. pre-existing conditions.

28. How to choose the right dentist in the network?

Make sure the dentist is well referenced by your insurer and read patient reviews. For advice, visit our page on choosing a dentist.

29. Are dentures covered?

Denture coverage depends on your insurance plan. Some cover partial or full dentures. Learn more at dental prostheses.

30. Are dental implants fully reimbursed?

No, most plans only cover a portion of the cost of implants. Visit our page on implant coverage.

31. What is an exclusion in a dental insurance contract?

An exclusion is a service or treatment that is not covered by your insurance plan. Cosmetic treatments, such as teeth whitening, are often excluded. Find out what this means for you by visiting our page on exclusions.

32. Are adult orthodontic treatments covered?

Some insurance plans include coverage for adult orthodontics, but this may require an additional option. Check out our guide to learn more about the orthodontic cover.

33. How can preventive care reduce my dental costs?

Preventative care, like regular checkups and cleanings, helps prevent more serious and costly problems. Visit our guide to learn more about benefits of preventive care.

34. Are white fillings covered by insurance?

Yes, but it depends on the plan. Some only cover amalgam (gray) fillings for molars. For specific information, see our page on the fillings.

35. Are root canal treatments fully reimbursed?

Root canals may be partially covered by dental insurance, typically between 50% and 80% depending on the plan. Learn more about coverage for root canal treatments.

36. What are the dental care options for people without insurance?

If you don't have insurance, there are clinics that offer discounted rates or financing options. Check out our guide for cost-effective solutions here.

37. How to get immediate coverage without a waiting period?

Some plans offer immediate coverage for basic care. To learn more, explore our options without waiting period.

38. Is dental care abroad reimbursed?

Some dental insurance plans may reimburse dental care received abroad, but it is essential to check the specific conditions. Learn more about care abroad.

39. What is children's dental insurance?

Children's dental insurance typically covers checkups, cleanings, and sometimes orthodontics. Learn more about plans for children.

40. Are dental veneers covered?

Veneers are often considered a cosmetic treatment and are not covered by most dental insurance plans. Visit our guide to learn more about facet coverage.

41. Are oral surgery treatments included?

Yes, oral surgery, such as wisdom teeth removal, is often partially covered. See our guide for details on oral surgery.

42. Are dentures covered for seniors?

Yes, dentures for seniors can be covered, but it depends on the plan chosen. For advice on the best options, visit our dedicated page here.

43. How to get a cost estimate before treatment?

Some insurance companies offer advance cost estimates to avoid surprises. Learn more about this option by consulting our article on cost estimates.

44. What are the benefits of a group dental insurance plan?

Group plans, often offered by employers, can be more advantageous than individual plans, with lower premiums. Learn more about the advantages of group plans.

45. What is coordination of benefits?

If you have two insurance plans (for example, through your spouse), coordinating benefits can help you maximize your coverage. Find out how it works here.

46. How do I renew my dental insurance policy?

Most policies are automatically renewed each year. Check with your insurer for details or visit our policy page. renewal.

47. Are dental implants covered for seniors?

Implants may be partially covered for seniors, but it depends on the plan. Visit our page to explore your options here.

48. Are treatments for sleep apnea included?

Some insurance plans cover dental devices to treat sleep apnea. Learn more about this option here.

49. How do I file a complaint about my insurance?

If you have a problem with your insurer, it is possible to file a complaint. Consult our guide to find out the steps to follow here.

50. What is the best dental insurance in Quebec?

There is no single answer to this question, as it all depends on your needs. Visit our comparison guide to help you choose the best dental insurance.