Dental insurance

Don’t let unexpected dental care costs take a bite out of your savings!

Let dental insurance work for you. Add it to your extended health care (EHC) with core travel coverage to reduce out-of-pocket dental expenses today!

You’ll use dental coverage when you:

  • Need basic services – such as:
    • Oral exams
    • Fillings
    • Oral surgery
  • Major services – such as:
    • Crowns
    • Dentures

Why choose dental coverage offered through AUPE?

  • Get the savings you deserve – with group rates, thanks to your former AUPE membership
  • Lower your out-of-pocket expenses
  • Direct deposit for your claims payment
  • Online records of your claims

To be eligible for dental, you:

  • Must request coverage at the time of applying for EHC coverage
  • Be approved for EHC coverage under the AUPE group insurance plan

You cannot apply for dental under a separate application.

Apply without proof of good health:  you can apply for coverage without proof of good health, as long as we get your application within 60 days of your group insurance coverage end date. 

You can get dental insurance for:

  • You
  • Couple (you + spouse)1
  • You, your spouse, your child(ren)2

You and your dependants must be insured for the same benefits.

What’s covered?

Preventive
  • 80% of costs covered
  • Maximum $1,500 per person per plan year
  • Scaling/Root Planing: 4 units per plan year
  • Oral examination: one per plan year
  • Recall: one visit per plan year
Restorative (Minor)
  • Endodontic and periodontic services:
    • 80% of costs covered
    • Maximum: $750 per plan year
    • Periodontal recall: one per plan year
Restorative (Major)
  • 50% of costs covered
  • Maximum: $1,000 (prosthodontic services*)

*A one-year waiting period applies to these expenses

 

What’s the cost?

Monthly premium rates

Age 55-64 65-74 75-84 85 and over
You $71.50 $78.00 $78.00 $78.00
You + 1 dependant $136.50 $156.00 $156.00 $156.00
You + 2 or more dependants $214.50 $169.00 $169.00 $169.00

Age and rate calculation are made on January 1 of each year.

When coverage begins:

If applying without proof of good health, approved coverage begins the day following the termination date of the previous group insurance.

If applying with proof of good health, coverage begins on the first day of the month, after approval.

What is not covered?

We will not pay for services or supplies payable or available (regardless of any waiting list) under any government-sponsored plan or program unless explicitly listed as covered under this benefit.

We will not pay for services or supplies that are not usually provided to treat a dental problem.

We will not pay for:

  • Procedures performed primarily to improve appearance
  • The replacement of dental appliances that are lost, misplaced or stolen
  • Charges for appointments that you do not keep
  • Charges for completing claim forms
  • Services or supplies for which no charge would have been made in the absence of this coverage
  • Supplies usually intended for sport or home use, for example, mouthguards
  • Procedures or supplies used in full mouth reconstructions (capping all of the teeth in the mouth), vertical dimension corrections (changing the way the teeth meet) including attrition (worn down teeth), alteration or restoration of occlusion (building up and restoring the bite), or for the purpose of prosthetic splinting (capping teeth and joining teeth together to provide additional support)
  • Transplants and repositioning of the jaw
  • Experimental treatments

We will also not pay for dental work resulting from:

  • The hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • Teeth malformed at birth or during development
  • Participation in a criminal offence
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Learn more

Questions?

Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

Or contact Daniel Kickham,
Plan Advisor, KB Benefits:
780-242-4828
Email

1. Spouse: The insured’s spouse by marriage or under any other formal union recognized by law, or a partner of the opposite sex or of the same sex who is living with the insured and has been living with the insured in a conjugal relationship. Only one person at a time can be covered as an insured’s spouse under this contract.

2. Child: A child, other than a foster child, of the insured or the insured’s spouse, who does not have a spouse and who is:

  • Under 21
  • Age 21 or over but under age 25 who is a full-time student attending an educational institution recognized under the Income Tax Act (Canada) and is dependant on the insured for financial support

A child who becomes disabled before the limiting age and remains continuously disabled, qualifies as long as the child:

  • Is incapable of financial self-support because of a disability,
  • Depends on the insured for financial support, and
  • Does not have a spouse.

The insured must provide Securian Canada proof of the above within 6 months of the date the child attains the limiting age.