Dental Benefits

Your dental carrier will continue to be Sunlife. Your Sunlife dental plan is a reimbursement plan. Please see the schedule included with your open enrollment materials for more details.

PROTECTS YOUR SMILE
A dental plan encourages routine cleanings and checkups at the dentist so you can protect your teeth for a lifetime. A healthy smile helps everyone feel more confident.

PREVENTS OTHER HEALTH ISSUES
Just annual preventive care alone can help prevent other health issues such as heart disease and diabetes.1 Many plans offer low copayment amounts for preventive services to make it easy for you to use your dental benefits.

LOWERS OUT-OF-POCKET EXPENSES
No maximums, no deductibles, no waiting periods and fixed copayment amounts keep your out-of-pocket expenses down. Benefits are even payable for pre-existing dental conditions within the copayment schedule.

How does a Prepaid plan work?
This plan gives you and your family access to a range of dental services from in-network providers at fixed copayment amounts. A copayment is the set fee that you pay to the plan dentist at the time of treatment for covered services that are being performed. To receive services at these fixed rates, you must use a network provider.

How do I find a dentist?
Simply visit www.sunlife.com/findadentist. Follow the prompts to find a dentist in your area who participates in the Heritage network. You can also call 800-443-2995 for help finding a dentist.

Do I have to choose a dentist in the network?
Yes. To receive the fixed copayment amounts you must visit a dentist in the network and you must select the dentist in advance. Each family member may choose a different plan dentist.

Are my dependents eligible for coverage?
Yes. Your plan offers coverage for your spouse3 and dependent children. An eligible child is defined as an unmarried child to age 19 or to age 25 if a full-time student.4

What features does my plan include?
• No annual dollar maximums for plan dentists and plan specialists
• No deductibles
• No waiting periods
• Benefits are payable for pre-existing dental conditions within the copayment schedule
• Extensive provider network updated regularly
• Copayments and discounts for specialty care

How will the plan dentist know I am a patient?
The plan dentist receives a patient listing, called a roster, from Sun Life each month that includes all members who have chosen those individuals as their dentist. Please confirm at the time of making your appointment with the plan dentist that you are on their roster.

Do I have to file the claim?
No. You will not need to file a claim for a plan dentist or plan specialist. Read the Important information section for more details including limitations and exclusions. If I have a dental emergency, do I need to see my plan dentist?

First, contact your plan dentist to make an appointment. If your plan dentist is unable to see you, you may seek treatment from any licensed dentist in the United States. Please be informed that the emergency benefit of your plan is limited to the temporary relief of pain and has limited benefits.