Dental
Dental Insurance in Canada
Dental coverage is one of the most essential aspects of any group health insurance plan and one of the most attractive features for potential and existing employees. At Perlinger, we‘ve partnered with a number of insurance providers to get you the best dental insurance in Canada. As plan architects, we can develop solutions that benefit your team and fit your budget. Dental plans often include basic services such as oral examinations, cleanings, x-rays, and fillings, while select plans cover a percentage of major work like bridges, crowns, and major surgery. As part of our consulting services and financial management, we’ll meet with you on an ongoing basis to address any notable changes to your plan requirements and business objectives. At Perlinger, our commitment to excellence is second to none.
What We Offer
Most benefits packages will include a form of basic and preventative dental coverage. Check-ups and cleanings fall under the umbrella of basic coverage.
Minor restorative covers middle-of-the-road dental treatments. Tooth extractions, fillings, root canals, and scaling or deep cleanings are considered to be minor restorative procedures.
Major restorative includes crowns, bridges, and dentures. Most insurance plans involve some coverage for major restorative procedures, but usually at a lower percentage than basic and minor restorative.
Orthodontics, including braces, retainers, and orthodontic surgery, is covered under certain group health plans. Orthodontic coverage is often only for dependent children under the age of 19, but some plans cover adults as well.
Everything You Want in a Dental Insurance Plan
We want to make it easy for you and your employees to access dental plans that are as comprehensive as they are cost-effective. We are pro-active, personal, and professional in our approach, committed to providing exceptional service regardless of the obstacles. Our administrative and consulting services are in place to assist our clients in dental insurance education, vendor assessment, claims analysis, and proactive risk management. We take the time to educate your employees, allowing them to fully comprehend and appreciate the investment you have made. We offer specific training regarding dental insurance in Canada. During our in-person onboarding with your team, we’ll discuss what’s included, how to file claims, how to choose healthcare providers, and how to manage future benefit decisions. Our goal as your benefits provider is to allow you to focus entirely on your business instead of your group benefits plan.
The PGB Advantage
How We Save You Money
Rate Stability
Credibility & Protection
Lower Costs
Buying Power
Plan Design
Higher NEMs
Higher Maximums
Wellness Solutions
Annual Plans
The PGB Advantage
How We Save You Money
Rate Stability
Credibility & Protection
Lower Costs
Buying Power
Plan Design
Higher NEMs
Higher Maximums
Wellness Solutions
Annual Plans
Large Block Concept
WITHOUT
Perlinger Group Benefits’ Large Block
A smaller group of employees (under 150) usually means higher margins for the Insurance Carrier and higher costs for the company. When it comes to small businesses, insurance carriers price accordingly and you could end up paying much more for insurance.
WITH
Perlinger Group Benefits’ Large Block
Within the Large Block concept, each company is seen as a part of a large group and priced as a Very Large Company, resulting in greater savings. The Insurance Carrier takes a smaller margin and the annual savings are usually between 15% and 25%.
Testimonials
Get Started With Dental Insurance in Canada
Regardless of your industry, you and your employees can benefit from a group benefits for small businesses. Through our ongoing research, auditing, surveying, and evaluating, we limit financial risk, secure competitive pricing, and ensure plan validity. In addition to direct billing and simplified claims resolution, we also offer basic and major dental coverage. Working with Canada’s best insurance carriers including, but not limited to, Equitable Life, Sun Life, Manulife, Desjardins, and The Cooperators, we negotiate on your behalf for the best possible rates and service.
