Dental only | When all you need is dental| Personal health insurance

Personal Health Insurance
Dental Only

Our dental plans will make you smile

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Our dental plans will make you smile

Seeing your dentist regularly is an important part of maintaining good overall health, but without a dental plan regular visits can be expensive. A basic checkup can easily cost over $100 per person making regular dental care difficult to include as part of your health routine. However, ignoring your dental health now can lead even more expensive dental care later and in extreme cases, other health problems.

Pacific Blue Cross offers dental only plans for individuals who want affordable dental coverage without purchasing an individual health plan as well as for individuals who don't have dental coverage through their employer.

Dentists can bill us directly saving you from out-of-pocket expenses. You only pay the percentage not covered by the plan. And our plans have a sliding scale for reimbursement; the longer you have coverage, the more coverage you enjoy. That's why people with dental coverage from Blue Cross always have a great smile.

Stand-Alone Dental Plan
Group Dental Add-On

Stand-Alone Dental Plan

When dental coverage is all you need

Pacific Blue Cross has designed this unique plan for individuals who want affordable dental coverage without purchasing an individual health plan. This plan will reimburse you or will pay your dentist directly.

This plan has a sliding scale for reimbursement. After a three-month no claims waiting period and a calendar year deductible of $100, it covers up to.

	First 12 months	13-24 months	25 months+
Reimbursement percentage	60%	70%	80%
Annual maximum	$500 per person	$750 per person	$1000 per person

Plan Highlights

Eligible dental expenses include all necessary services by a dentist or denturist for the care and maintenance of teeth including:

Diagnostic: two recall examinations (check ups) every calendar year
X-rays: the equivalent of one full-mouth series each calendar year (complete series x-rays are limited to once every three years)
Preventive therapy: topical fluoride applications are limited to twice every calendar year
Restorative dentistry: all procedures to restore natural teeth to normal function using silver and tooth-coloured fillings, and stainless steel crowns
Scaling and root planing
Prosthetic repair services to reline or repair fixed or removable appliances
Routine extractions

Plan Rates

effective from July 1, 2023 to June 1, 2024

	Single	Couple	Family
Per Month	$39	$80	$129
Annual	$439	$908	$1,474

Group Dental Add-On

Add dental coverage to your employer's group plan

If the health plan available through your employer doesn't include dental coverage, Pacific Blue Cross offers an add-on that individuals can purchase to supplement existing Blue Cross group health care plan. The add-on is available in Essential and Enhanced options:

Essential Dental Plan Option

This plan has a sliding scale for reimbursement. After a three-month no claims waiting period, it covers up to:

	First 12 months	13-24 months	25 months+
Reimbursement percentage	70% Basic	80% Basic	80% Basic
Annual Maximum	$600 per person	$900 per person	$1200 per person

Eligible expenses include:

Diagnostic expenses
Preventive treatments
Restorative treatments
Periodontal cleaning
Prosthodontic services
Oral surgery

In addition, the plan covers emergency treatment of the above services while temporarily outside of BC. There is no financial limit on the amount that will be paid for the services covered over the lifetime of the plan.

Plan Rates

effective from July 1, 2023 to June 1, 2024

	Single	Couple	Family
Per Month	$38	$78	$115
Annual	$434	$894	$1,312

Enhanced Dental Option

The Enhanced dental plan covers all of the essential dental benefits with the addition of endodontics and major restorative services, up to a combined predetermined maximum after 12 consecutive months on the plan.

	First 12 months	13-24 months	25 months +
Reimbursement percentage	70% Basic	80% Basic *50% Major	80% Basic *50% Major
Annual combined maximum	$600 per person	$900 per person	$1200 per person

*We will pay to a maximum of $500 for each covered person every calendar year for major restorative, orthodontic and prosthodontic services.

Eligible expenses include:

Endodontics
Major Restorative services, crowns, inlays, onlays, veneers, posts and fixed bridge restorations limited to once every five years when the same tooth is involved.
Complete or partial dentures limited to one upper and one lower denture every five years. Benefit begins after 24 months of continuous coverage.
Orthodontic coverage (for dependent children only, benefit begins in year 3). Lifetime maximum is $1000 per dependent child.

Plan Rates

effective from July 1, 2023 to June 1, 2024

	Single	Couple	Family
Per Month	$70	$139	$213
Annual	$793	$1,583	$2,428

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