Sunlife Financial has the following dental coverage plan available: Indemnity Dental Plan.
Sunlife Financial coverage plans
Sunlife Financial PPO networks provide easy access to reputable dentists nationwide as well as discounts on covered dental care. Plans provide benefit options for basic and major dental services with no age limit. Preventive care is covered with no deductible or waiting periods.
Dental Indemnity PPO Plan
Coverage includes dental benefits through payroll deduction. This dental insurance plan provides a variety of benefits and allows you and your family to use any dentist or specialist you choose. The Sun Life Dental Network has over 130,000 providers nationwide. Benefits are paid after any applicable deductible has been met, up to the annual maximum for each covered family member. Source
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Sunlife Financial covers Retainers?
With Sunlife Financial PPO plans, one set of post-treatment retainers (for orthodontic purposes) is typically covered for the course of a lifetime. Keep in mind that the general information given here may not apply to your benefits, limitations, maximums, waiting periods, and deductibles. For specific information about your plan’s orthodontic coverage, review your plan booklet. Source
Sunlife Financial Lingual Braces cost coverage?
Sunlife Financial PPO plans offer an estimated 50% coverage for lingual braces. The waiting period is 6 months while the maximum lifetime benefit is $1,500. When visiting a PPO orthodontist, you will receive the $1500 calendar year maximum.
Does Sunlife Financial cover X-Rays?
Yes, Sunlife Financial covers dental x-rays. Sunlife Financial offers full (100%) coverage of dental x-rays. Sunlife Financial plans do not require waiting periods for diagnostic services such as dental x-rays. However, some policies only pay for bitewing x‐rays, one set every 12 months, while full mouth x-rays once every 5 years.
Sunlife Financial covers Braces?
Yes, braces are covered by plans offered by Sunlife Financial. High dental plan covers up to an estimate of 70% of the cost. However, there is a maximum orthodontic coverage limit of $3,500 per person and with no waiting period. Standard dental plan also covers up to an estimate of 70% of the cost but has a $2,500 limit and 12-month waiting period.
Is Invisalign covered by Sunlife Financial?
Yes, an estimate of 70% of the total cost of your Invisalign treatment will be covered by Sunlife Financial if your plan includes orthodontic benefits. By checking the small print in your insurance policy, you can make sure that orthodontic treatments like Invisalign are covered. Watch out for a few provisions in the insurance policy, such as a non-covered expense clause, that could prevent you from receiving Invisalign coverage.
You will not be covered for Invisalign if your insurance policy specifies that orthodontics are not covered services or expenses. Additionally, keep an eye out for restrictions and exclusions. There may be a clause limiting orthodontic benefits only for those who are 19 years of age or younger. All insured members who are older than 19 will not be eligible for the orthodontic benefit, including reimbursement for Invisalign treatment, due to this specific limitation.
How much does Sunlife Financial cover for Clear Braces?
With Sunlife Financial PPO plans, clear braces are estimated to be 50% covered with a waiting period of 6 months. The maximum lifetime benefit is $1,500. You will receive the $1500 calendar year maximum when you’re visiting a PPO orthodontist.
For latest information, please visit: https://www.sunlife.com/us/en/employers/products-and-services/dental-insurance/ for more details.
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of 3/27/2023. The above logo & trademarks are property of Sunlife Financial.