You are covered “100%” of a fee they pulled out of thin air. They’ve essentially invented a fee guide without any input from the different provincial dental associations. These invented fees are of course lower than standard fees. How would it ever make sense that a procedure would cost exactly the same across the country, from the fanciest office downtown somewhere, to a minimalist office in someone’s house in a rural area? They chose to cover less than what the latter would charge.
It sucks that Sun Life is deceitful in presenting the plan and it’s easy for them to paint dentists in a negative light. I’m sorry you’re getting played like this, much like everyone else is!
Here are some of the requirements for registering for the dental plan.
I am registered, I am covered “100%” but I still have to pay a few $100’s. I have a card and everything.
You are covered “100%” of a fee they pulled out of thin air. They’ve essentially invented a fee guide without any input from the different provincial dental associations. These invented fees are of course lower than standard fees. How would it ever make sense that a procedure would cost exactly the same across the country, from the fanciest office downtown somewhere, to a minimalist office in someone’s house in a rural area? They chose to cover less than what the latter would charge.
It sucks that Sun Life is deceitful in presenting the plan and it’s easy for them to paint dentists in a negative light. I’m sorry you’re getting played like this, much like everyone else is!
Exactly this.
Found examples of the co-pay.
https://www.canada.ca/en/services/benefits/dental/dental-care-plan/coverage/examples-copayments-additional-charges.html
Okay, so #4 is an unproven wish that ever happens in a Public-private slippery-slope system, but that’s got to be what they pitched.
It could be that you require services that are not covered under the plan.
https://www.canada.ca/en/services/benefits/dental/dental-care-plan/guide.html
No 100% does not mean 100% with the dental care plan. I am only doing stuff that covered.
I dunno then. If it were me I’d be asking the dentist why there’s a co-pay.