Plan Details

See what makes your dental plan tick

We know any insurance plan tends to be a little confusing. That’s why we provide information on many common questions members have about their dental plans.


View your personal benefits information online

Any time you want to see your personal benefits information, such as who is covered under your plan and the status of your claims, just sign in to My Dental Benefits.


How does my plan work?

Your plan is a PPO (Preferred Provider Organization) plan that offers:

  • Broad range of covered services
  • Typically includes a coinsurance for many services (you pay a percentage of the cost of the service)
  • Often no coinsurance for preventive care
  • Usually there is a maximum amount your plan will pay annually
  • Most plans have deductibles that each member must pay before the plan will begin to pay
  • You can visit any dentist, but save more by visiting a network dentist


What happens if I visit a non-network dentist?

With your dental plan, you can visit any licensed dentist and your benefits will apply, but you may have to pay the difference between the fees our network dentists have agreed to accept and the non-network dentist’s full fees. Also, you would need to pay any coinsurances or deductibles that apply (just like you would at a network dentist).


How do I nominate my dentist for participation in my network?

If your dentist is not currently participating in your network, you can nominate your dentist by completing our online dentist nomination form. Your dentist may also contact us directly.


Do I need an ID card?

When you become covered under the Sun Life Dental plan, you will receive an ID card in the mail. Please show your dentist this ID card, as it contains important information about the network, claim address and toll-free number that the dental office will need for claims submissions.


Want to print an ID card?

You can print one anytime – just sign in to My Dental Benefits.


Predetermination of benefits

If you expect your dental service to cost more than $500, it might be wise to ask your dentist to submit a predetermination of benefits to us to calculate how much of your dental services will be covered. This allows you to know up front what you can expect to pay out of pocket.


Other resources

How read an Explanation of Benefits (EOB)
Contact customer service
Download claim forms