What Group Health and Dental Coverage Can Include
A combined package may include prescriptions, practitioner services, vision care, medical supplies and dental treatment. Each category can have different deductibles, reimbursement percentages and maximums. Ask for a benefit schedule that shows those details together, rather than relying on a summary that simply lists health and dental.
Extended Health Benefits Beyond Public Coverage
Public healthcare and private benefits have different roles. Eligibility for Ontario programs and coverage for particular services can vary by person and circumstance. Review the additional protection an employer plan provides without assuming every expense outside a hospital is uninsured or every private plan covers it.
Dental Coverage Levels and Annual Limits
Dental options can range from preventive and basic treatment to major services and orthodontics. Check the fee guide, recall frequency, annual maximum and any lifetime orthodontic limit. A plan reimbursing a high percentage may still leave employees with substantial costs when its maximum is low.
Family Coverage, Eligibility and Waiting Periods
Confirm which employees and dependants qualify, when coverage starts and how waivers work where other insurance exists. Single and family coverage may be priced differently. Clearly explain enrolment deadlines and the process for adding a dependent so employees do not assume coverage exists before it has been accepted.
Designing Health and Dental Benefits to Fit Your Budget
Compare a focused package with a broader option using the same workforce assumptions. Consider contribution arrangements and whether an HSA would help with eligible gaps. Do not choose solely by the headline annual maximum: exclusions, access and administration also affect the employee experience.
Compare Group Health and Dental Options
Tell us your headcount and whether you already offer health and dental benefits. A licensed advisor can request the information required for tailored proposals and explain how the options fit your budget. GroupBenefitPlans.ca provides a referral; policy terms and acceptance remain with the relevant providers.
GroupBenefitPlans.ca is a referral and information service. Advice and coverage are provided by the licensed professional and relevant providers. An enquiry does not activate insurance.