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 $1000 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 6 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
Bitewings films, limited to one film every 6 months
Intra oral 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), limited to 2 per coverage period

Preventive Services

Oral hygiene instruction, once every 6 months
Polishing, once every 6 months
Light scaling for preventive purposes rather than therapeutic, limited to a maximum of 4 units of 15 minutes each per coverage period
Topical application of fluoride, once every 6 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 (including anaesthesia)

Basic Services, Endodontics, and Periodontics: 70%

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
adjustments to periodontal appliance to control bruxism only, limited to one adjustment per coverage period
root planning, limited to a maximum of 8 units of 15 minutes per coverage period
occlusal adjustment, limited to a maximum of 8 units of 15 minutes per coverage period

Maintenance of Removable Dentures