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Dental plan

Your McGill Dental Plan covers a wide range of dental services — everything from regular check-ups to root canals.


** PLEASE NOTE: COVID-19 Dental Surcharges are not an eligible expense covered under the Dental Plan.

Also please note that as of August 17th, 2020, Student and Staff Dental Clinic in McGill’s Faculty of Dentistry is not currently charging additional fees due to the pandemic. 

Please email clinic.dentistry [at] mcgill.ca or call 514-398-3155 for more information, to verify what the current policy is with regards to charging additional fees or to make an appointment.

Optional participation

Participation in the dental plan is optional. If you refuse participation in the Dental Plan at enrolment, you will be re-offered the opportunity to join every 3 years on January 1st, unless you provide proof of loss of coverage elsewhere.

For information about opting into and out of the plan, please see Changes to your coverage (life events).

Dental fee guide

It is important to note that all reimbursements under the plan are limited to the current fee guide for dental services provided by general practitioners published by the Quebec Dental Surgeons Association. If your dentist charges more for a given service or procedure than the amount recommended under the fee guide for general practitioners, the plan will limit the claim reimbursement amount. 


Annual maximum

Reimbursement under the dental plan for preventive, restorative, endo/perio and major services is limited to a combined annual maximum of $2,000 per insured person. The benefit year is calculated from January 1st to December 31st.


What's covered

The McGill Dental Plan gives you and your family access to affordable dental coverage, covering a wide range of dental services and procedures to keep you and your family smiling. Eligible expenses are outlined below.

All reimbursements under the plan are limited to the current fee guide for dental services provided by general practitioners published by the Quebec Dental Surgeons Association. If your dentist charges more for a given service or procedure than the amount recommended under the fee guide for general practitioners, you must pay the difference.

Preventive (100%)

The plan covers 100% of the cost of the following preventive, diagnostic, emergency and palliative services and procedures.

Twice a year, with intervals of five months:

  • bitewing radiographs, including interpretation
  • oral hygiene instruction
  • prophylaxis (polishing of coronal portion of teeth)
  • recall oral examinations
  • topical fluoride applications (for patients less than 16 years of age)

Once every 2 calendar years:

  • complete oral examinations
  • complete set of radiographs or panoramic x-rays, including interpretation

As required:

  • biopsy of soft and hard tissue
  • cytological test
  • laboratory tests and examinations
  • emergency or specific oral examinations
  • emergency or palliative services
  • pit and fissure sealants (for patients less than 16 years of age)
  • radiographs to diagnose a symptom or examine the progress of a particular course of treatment
  • required consultation with another dentist
  • intra oral periapical radiographs

Restorative (80%)

The plan covers 80% of the cost of the following restorative procedures:

  • antibiotic drugs required for the purpose of dental treatment
  • fillings, (amalgam, silicate, acrylic and composite) and retentive pins. Replacement fillings are covered only if:
    1. The existing filling is at least 12 months old and required due to significant breakdown of the existing filling or recurrent decay; or
    2. The existing filling is amalgam and there is medical evidence indicating that the patient is allergic to amalgam
  • space maintainers
  • preformed stainless steel crowns and repairs to preformed stainless steel crowns (except in conjunction with the placement of permanent crowns)

Endo/Perio (80%)

The plan covers 80% of the cost of the following endodontic and periodontic procedures:

  • Endodontics (treatment of the root and pulp tissue)
    • apectomy and retrofilling
    • emergency treatments - Pulpotomy, pulpectomy and opening and draining of tooth
    • hemisection, root amputation and root reimplantation
    • root canal therapy and obturation.
  • Periodontics (treatment of the gum and other supporting tissues of the teeth)
  • periodontal scaling
  • desensitization of tooth
  • emergency services
  • gingivoplasty
  • guided tissue regeneration
  • occlusal equilibration
  • periodontal curettage (gingivectomy)
  • root planning
  • periodontal surgery
  • tissue grafts
  • periodontal appliances
    • only one periodontal appliance (upper or lower) will be eligible when both are submitted within 60 days of one another
    • periodontal appliances for children aged 16 and under are not covered

Major (70%)

The plan covers 70% of the cost of the following major procedures:

  • crowns and repairs to crowns, other than preformed stainless steel crowns (see the Restorative section above)
  • dentures and bridges
    • the initial, complete or partial, fixed or removable prostheses (bridges or dentures), in the case of teeth extracted while the person is covered under the plan
    • replacement of complete or partial, fixed or removable prostheses following the extraction of natural teeth, provided the person is covered under the plan at the time
    • replacement of an existing prothesis that can no longer be used: Bridges every 7 years; Dentures every 5 years.
    • inlays and onlays
    • rebasing or relining of an existing partial or complete denture
    • repair of bridges and dentures
  • oral surgery
  • alveolectomy, alveoloplasty, osteoplasty and tuberoplasty
  • frenectomy
  • other oral surgery and related local anesthesia other than for implants, transplants or repositioning of the jaw
  • repair of soft tissue laceration
  • surgical excision (cysts and tumours)
  • surgical removal of erupted and impacted tooth
  • treatment of salivary glands
  • uncomplicated removal of erupted tooth

Lab Fees

The lab fee is the amount the commercial laboratory charges to the dentist to provide the service. Lab fees are typically 50%-60% of the total cost of the procedure. This amount is reimbursed according to the same coinsurance as the procedure itself, and is subject to the overall annual combined maximum under the dental plan of $2,000.

Implants & related services

Effective August 1, 2013, the cost of implants and implant-related services (including mesostructures, periodontal surgery, post-surgical services, anesthetic, placement of attachments, crowns, dentures and bridges attached to implants) will be reimbursed based on the least expensive treatment option, such as the cost of a regular bridge or denture. 

The actual cost of the implant and related services will not be covered.

Reimbursement will be made only once all stages of the implant treatment have been completed and a claim is submitted.

Orthodontia (50%)

The plan covers 50% of the cost of comprehensive orthodontic treatment, using removable or fixed appliance (or a combination of the two), for dependent children under 21 years of age to a lifetime maximum of $2,500 per person.

Coverage includes:

  • diagnostic procedures
  • corrective orthodontics treatment
  • retention
  • orthopaedic and/or myofunctional appliances
  • control of oral habits
  • interceptive, interventive or preventive orthodontic services other than space maintainers (see "Restorative")

Note: Coverage is for dependent children under age 21 only. Your orthodontist may set an overall fee at the beginning of a course of treatment expected to extend beyond a year. In this case, the insurer may spread this fee over the entire treatment period and reimburse your expenses periodically over that period.


What isn't covered

The plan does not pay any benefit or accept liability for claims for the following non-exhaustive list of items and services. If you are in doubt as to whether an item or service is covered by the plan, see Coverage by area/service below or contact Manulife Financial at 1-800-268-6195.

Services not covered

  • dental care covered in whole or in part under the provisions of any hospital, medical or dental plan in your province of residence, except for those expenses in excess of those provided under such provisions
  • dental care arising directly or indirectly from:
    • war, insurrection or the hostile action of the armed forces of any country
    • participation in a riot, civil commotion, or commission of a criminal offence
    • any cause for which indemnity or compensation is provided under any workers' compensation law or similar legislation
  • actual cost for implants and related services, alternative treatment option applies
  • missed appointments or the completion of claims forms
  • replacement of lost, misplaced or stolen dentures
  • services or supplies
  • services normally intended for sport or home use (such as, but not limited to, mouthguards)
  • services rendered for full mouth reconstructions, vertical dimensions corrections, and temporomandibular joint dysfunction or splinting
  • services that are not clinically required, are given for cosmetic purposes, or exceed ordinary services given in accordance with current therapeutic practice
  • periodontal appliances for children aged 16 and under will generally be ineligible for coverage. Bruxism in children is usually not treated because children's mouths are still constantly growing and changing
  • desensitization when performed at a hygiene appointment

Treatment plans

If the total treatment is expected to cost more than $400, you should ask your dentist to submit a treatment plan to the insurer before treatment begins. A treatment plan is simply a description of the required procedure proposed by the dentist, including any related radiographs or study models, if required, and the cost of the treatment.

The insurance company will review the plan and report back to you on what portion of the cost (if any) is covered under the McGill plan. This will keep you from having to pay for an expensive treatment that you thought was covered under the plan, but isn't.

Alternate treatment plan

If more than one type of treatment exists for your dental condition, you will be reimbursed for the lesser fee (provided that the treatment given is clinically acceptable and appropriate).


When coverage ends

Your coverage under the plan will end when you leave the University (before retirement), fail to qualify for coverage under the terms of the plan or opt out of the plan.

Coverage for your eligible spouse and children will end when yours does. In addition, coverage will end for your family members when they are no longer eligible under the terms of the plan (for example, when a son or daughter marries or assumes full-time employment).

If you (or a covered spouse or child) are undergoing a course of treatment that requires multiple appointments when you leave the University, you can claim expenses related to that procedure provided the expenses are incurred within 31 days of your departure.

Please refer to Changes to your coverage (life events) for more details.

If you become disabled

Your coverage under the Dental Plan will continue while you are eligible for benefits under the Long Term Disability Plan, provided you continue to pay your share of plan costs.

If you die

If you were under age 65 and you had family health and/or dental coverage, your spouse and eligible dependent children can continue this coverage under the plan for up to three (3) months. The University will pay both shares of the benefit cost.

 

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