Your oral health can affect the overall well-being of your entire body. According to Health Canada, heart disease, diabetes and even low birth weight in babies may be caused by poor oral health. Ultimately, untreated oral diseases can have a negative impact on your quality of life. That’s why it’s important to make regular trips to the dentist—before recurring problems arise—to keep your teeth in good condition.
So how does dental insurance fit into good oral health? Dental insurance can reduce your out-of-pocket costs for routine and unexpected dental care, plus provide the peace of mind that comes from having the financial protection of insurance. With dental insurance, you have better access to the preventative care you need to keep your teeth healthy and beautiful. The better you take care of your teeth now, the lower your future costs for dental care will be.
Special Benefits Insurance Services makes it easy to obtain affordable dental insurance, which is important given the increasing cost of dental care. Our dental plans offer Basic Coverage, Comprehensive Basic and Major Services coverage.
To provide you with a broad range of dental insurance options, we work with Green Shield Canada, GMS and Manulife Financial to offer competitive rates on the kinds of coverage that can protect your family’s oral health for years to come.
As the exclusive partner for Green Shield Canada’s Prism health and dental programs, SBIS dental insurance is available in a variety of levels to provide the right kind of coverage at the right price for your family.
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Please click on each Prism® tab below to see the different plan details and rates
The Prism Spectra program is another option if you are leaving a company group plan or don’t currently have health and dental coverage in place and are looking for comprehensive coverage complemented by high benefit maximums.
The Prism Precision program may be right for you if you are looking for a comprehensive dental plan. There are 2 dental options to choose from P3 and P4; both of which have varying dental maximums. Both of these plans also include coverages for services and treatments that are not covered by the government. No medical questionnaire required, and coverage is guaranteed, even for pre-existing conditions.
The Prism Continuum program may be your best solution if you, your spouse, or your dependents are losing, or have lost your company group health benefits within the last 90 days and are looking for guaranteed coverage even with pre-existing conditions.
We also carry the Flexcare®, FollowMe™, Guaranteed Issue Enhanced Plan and Manulife Association lines from Manulife Financial to give the following benefits:
Please click on each Manulife® tab below to see the different plan details and rates
GMS Personal Health Insurance Plans: From basic to best, GMS offers three Personal Health plans to suit you and your family. Just add on dental coverage for a few dollars more each month, and you will all be covered for out-of-pocket costs for basic and comprehensive dental care.
GMS Replacement Health Insurance Plans: If you depended on your group insurance plan to help protect you from the out-of-pocket costs of dental care, any one of the GMS Replacement Health plans can provide you with that same peace of mind, with no medical questions asked, provided you apply within 90 days of losing your group coverage.
Please click on each GMS tab below to see the different plan details and rates
We recognize that navigating dental insurance can be complex, and you may have several inquiries, particularly in light of the recent introduction of the Canadian Dental Care Plan in Canada. These limited government-funded options have contributed to the array of private plans currently available. Below, we provide answers to your essential questions.
Dental insurance premiums in Canada can vary widely depending on the level of coverage you choose. Generally, you’ll find that basic dental plans can be quite budget-friendly, offering core services like exams, cleanings and x-rays for a low monthly cost. These are a good fit if you’re simply looking to maintain your oral health and need protection against routine expenses.
If you’re seeking broader protection, such as coverage for fillings, root canals, crowns or even orthodontic work, expect your premiums to be higher—though these plans may save you more over time by reducing your out-of-pocket expenses when the unexpected happens.
When you’re comparing plans from providers like Green Shield Canada, Manulife or GMS, it’s important to consider not just the monthly cost, but also what procedures and services are included, any annual limits, and whether there are waiting periods for certain treatments. Taking the time to review the details will help you find the right balance between cost and comprehensive coverage for your specific dental health needs.
Understanding exclusions in your dental insurance plan
When choosing a dental insurance plan, it's important to be aware of what services and treatments may not be covered. Exclusions can vary depending on your provider and chosen policy. By familiarizing yourself with these limitations up front, you’ll avoid unwelcome surprises when the bill arrives.
If a particular dental procedure isn’t included in your coverage, you may want to look for alternative solutions, such as payment plans with your dentist or exploring discounts for specific services. Always review your policy details carefully so you can plan ahead and make the best choices for your dental care needs.
Is coverage for dental implants available?
Dental implants can be one of the pricier procedures when it comes to restoring your smile. The good news is that some dental insurance plans—including select Green Shield Canada, GMS, and Manulife options—may provide coverage for implants, though limits and eligibility can vary by plan. While not all plans include this benefit, those that do can help offset costs and make implants more accessible. Be sure to review each plan's details to see if implant coverage fits your dental care needs.
Are periodontal treatments covered by dental insurance?
Yes, most dental insurance plans provide coverage for periodontal treatments, which are designed to help manage and treat gum disease and related conditions. Maintaining healthy gums is crucial for your overall oral health, and timely periodontal care can help prevent more serious dental problems down the road. Coverage levels can vary depending on the plan you choose, but many options—like those available through Green Shield Canada, GMS, and Manulife Financial—offer benefits that include routine cleanings, scaling, and other gum treatments, ensuring you have access to essential care when you need it.
Canada offers a wide range of insurance plans, including private options that complement or extend beyond limited government programs. These plans may include basic, comprehensive, and major dental services, helping individuals and families access preventative and restorative care with greater financial protection.
Affordable insurance plans are available by choosing coverage levels that match your needs, such as basic or comprehensive care. Many Canadians find dental insurance by comparing benefits, annual maximums, and waiting periods rather than focusing on price alone.
It typically includes strong preventative coverage, access to major restorative treatments, competitive annual maximums, and reliable provider networks. Plans that reduce out-of-pocket expenses and offer long-term value are often considered better dental insurance choices.
Yes, these quotes can be obtained quickly online, allowing you to compare good dental plans from multiple providers. Online quotes help you evaluate pricing, coverage options, and benefit levels before choosing a plan that fits your budget and oral health needs.
Many insurers offer plans specifically designed for those transitioning from group benefits. These plans often allow continued coverage when you apply within a certain timeframe, helping you maintain consistent dental care without medical questionnaires.
Private dental insurance provides broader flexibility and coverage compared to government-funded options, which may be limited by eligibility or service scope. Medical and dental insurance in Canada through private providers often offers higher benefit limits and more treatment options.
Most dental insurance policies cover routine exams, cleanings, fillings, and basic procedures, with options to add major services like crowns or root canals. Coverage details vary, so reviewing exclusions and benefit limits is essential when selecting good dental plans.
Yes, many providers offer combined insurance Canada plans that simplify coverage management. These plans can be cost-effective and provide comprehensive protection for both general health and dental care needs.
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Most Canadians overpay or stay under‑insured simply because comparing plans feels overwhelming. Get professional advice completely free from an SBIS advisor, who will compare leading health, dental, and travel plans and help you find coverage that fits your life and budget with no obligation to buy.
