Dental

The UBC Retirement and Survivor Benefits (RSB) Dental Care plan provides coverage for a wide range of dental services, from your regular check-ups to major procedures. These procedures may be provided by a licensed Dentist, Denturist, Dental Hygienist and Anaesthetist.

For a complete description of your benefits coverage, please refer to your Sun Life Benefits Booklet.

Dental Plan – Direct Pay

(Under this plan, dental claims can be submitted electronically to Sun Life. It is still between you and your dentist as to whether you pay your portion of the dental bill or the whole amount initially).

Deductible: There is no deductible for this coverage.

Benefit Year Maximum: $1,500 per person per benefit year (Jan. 1 – Dec. 31) for all services (Preventative, Basic and Major).

Reimbursement Level for Eligible Expenses

You will be reimbursed at the following levels up to your benefit year maximum:

Your reimbursement will be based on these percentage levels, your benefit year maximum and the fee stated in the Dental Association Fee Guide, which is current at the time of the treatment.

If your Dental Care benefit ends, you will still be covered for procedures to repair natural teeth damaged in an accident if the accident occurred while you were covered, and the procedure is performed within six months after the date of the accident.

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A. Preventative Procedures (70%)

What the Plan Covers

The plan will cover a wide range of procedures that a dentist performs regularly to help maintain good dental health. Some examples of these procedures include: complete oral examinations, x-rays, polishing and fluoride treatments, diagnostic models, and removing impacted teeth. For the full list of coverage, please view the Sun Life Benefits Booklet.

B. Basic Procedures (70%)

What the Plan Covers

Procedures to treat basic dental problems are also covered under the RSB Plan. These include: fillings, tooth extractions, root canals, periodontics and oral surgery. For the full list of coverage, please view the Sun Life Benefits Booklet.

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C. Major Procedures (50%)

What the Plan Covers

In addition to preventative and basic procedures, treatment of some major dental conditions is also covered. For example: inlays or onlays, crowns and prosthodontics such as bridges or dentures. For the full list of coverage, please view the Sun Life Booklet.

Predetermined Treatment Plan

Before you undergo any major procedure, or any procedure that will cost more than $500, it’s in your best interest to submit a treatment plan to Sun Life. Using a completed dental claim form filled in by both you and your dentist, send Sun Life an outline of the treatment the dentist is planning and a cost estimate, before the work is done. From this, Sun Life will tell you how much of the planned treatment is covered by the UBC plan.

This way you will know how much of the cost you will be responsible for before the work is done and you won’t be caught having to pay for an expensive treatment that you thought was covered under the Plan, but isn’t.

Alternate Treatment Plan

When you submit a treatment plan to Sun Life, they will investigate if another procedure could have been done, with an equivalent level of success. You will not be reimbursed for more than the reasonable cost of the least expensive alternative procedure.

What the Plan Does Not Cover

The Dental Plan will not cover all expenses related to your dental care. Some of the things excluded from coverage under the Plan are: procedures primarily to improve appearance, replacing lost or stolen dental appliances, charges for completing forms, supplies intended for sport or home use, or experimental treatments. For the full list of what is not covered, please view the Sun Life Benefits Booklet.