Dental

Dental Coverage

To find out if you’re eligible for these benefits, see the Who’s Covered section.

The current coverage period is from Sept. 1, 2024 – Aug. 31, 2025.

Maximum of $750 per insured person per coverage period for all dental care.*

Reimbursements are based on the fees indicated in Dental Association Fee Guide for General Practitioners of the province in which the services are provided (these fees are suggested to general practitioners, not specialists).

Orthodontic treatments are not covered.

When the total cost of any proposed dental treatment is expected to meet or exceed $500, a treatment plan (obtained from your dentist) must be submitted to Desjardins Insurance for approval.

*Please refer to the Insurance brochure for all applicable definitions, conditions, restrictions, and exclusions. In case of any discrepancy between this website and the insurance brochure, the information in the insurance brochure will prevail.

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Preventive services: 70%

Exams

Complete oral examination, once every 36 months

Recall oral examination, once every 12 months

Specific oral examination, once every 6 months

Emergency oral examination

Radiographs

Complete series of periapical films or panoramic radiographs, limited to one series every 36 months

Intra oral films, including bitewing films, and radiographs to diagnose a symptom or examine progress of a particular course of treatment

Interpretation of radiographs from another source

Photography

Radiograph of the hand and wrist as a diagnostic aid for dental treatment

Lab Tests and Examinations

Bacteriologic cultures/smears to determine pathological agents

Biopsies

Pulp vitality tests

Unmounted Diagnostic casts

Case Presentation and Explanation

Consultation with an insured person (a day other than the examination date)

Preventive Services

Oral hygiene instruction, once every 12 months

Polishing, once every 12 months

Scaling, limited to a maximum of 2 units per coverage period

Topical application of fluoride, once every 12 months

Finishing restorations

Pit and fissure sealants, for children under age 16

Interproximal discing

Space maintainers for missing primary teeth, for children under age 16

Prophylactic odontotomy/enameloplasty

Preventive Oral Surgery

Extractions – impacted tooth

Basic Services, Endodontics and Periodontics: 60%

Restorations (fillings)

Amalgam (silver)

Composite restorations performed on posterior teeth are limited to the fees for amalgam restorations

Retentive pins for amalgam and composite restorations

Preformed stainless steel and polycarbonate crowns, for children under age 16

Caries / trauma / pain control, separate procedure from restoration

Endodontics

Treatment of disease of the pulp chamber and pulp canals (root canal therapy)

Periodontics

Treatment of the gums (soft tissue) and bone supporting the teeth. However, the following expenses are limited:

post-operative visits, 4 visits per coverage period

curettage performed by a dentist, once per period of 60 months

periodontal treatment including root planning, limited to 8 units per coverage period

adjustments to periodontal appliance to control bruxism only, limited to one adjustment per coverage period

adjustment occlusion, limited to 8 units per coverage period

Maintenance of Removable Dentures

Repair

Structure addition (to an existing removable denture)

Relining

Rebasing

Adjustments to dentures, 3 months after insertion

Denture adjustments including minor adjustments, once every 6 months

Oral Surgery

Extractions - uncomplicated and complex (except impacted tooth)

Removal of residual roots

Surgical exposure of teeth

Alveoplasty, gingivoplasty, stomatoplasty and osteoplasty

Alveolar ridge reconstruction

Extension of mucous folds

Excisions

Incisions

Frenectomy

Miscellaneous surgical procedures

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