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Feds Dental Plan Coverage Chart

  Insured Portion1 Studentcare Dental Network Savings Total Coverage
Preventive Services
- Recall exams2
- cleanings2
- root planing3
extraction of impacted teeth4
70% 30% 100%
Basic Services
- fillings5
- oral surgery
- endodontics (root canal)
- periodontics6 (gum treatment)
70% 20% 90%
Major Restorative
- crowns
- bridges
- posts
Not Covered 20% 20%

The maximum paid by Sun Life Financial per policy year on the insured portion of the Dental Plan is $750.
1 Percentage of Provincial Dental Fee Guide Cost for General Practitioners (in the province where service was performed).

2 Recall exams, cleaning/polishing, bitewing x-rays, oral hygiene instruction, and the application of fluoride are covered once per 12 months. Scaling is covered up to 2 units per policy year. A complete exam (sometimes called a new patient exam) is covered once per 36 months. A complete set of x-rays or panorex x-rays is covered once per 36 months.

3 Root planing is covered up to 8 units per policy year.

4 The extraction of impacted teeth is considered to be part of preventative services by Sun Life. The Studentcare Dental Network reduction, however, will be 20%, as this is considered oral surgery in the Provincial Dental Fee Guide for General Practitioners.

5 Fillings in amalgam (metal) and composite (white) fillings are covered for all teeth.

6 Certain maximums exist. Contact Studentcare for more details.

Certain exclusions and limitations may apply. Prior to dental treatment for work that is expected to cost $300 or more, students should submit a treatment plan (obtained from your dentist) to Sun Life Assurance Company of Canada for approval.

Note: Services performed by an orthodontist are not covered by the Dental Plan.


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Universal Ave Dental
203 Lester St.
Waterloo, ON N2L 3W4

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+1 519 992 9123
+1 519 992 9123