Coordinating Health and Dental Benefits

Coordinating benefits is common with health and dental plans; it allows employees and their dependants to make the most of their plans by combining benefits to receive 100% coverage on prescriptions and/or health and dental procedures. 

If an employee and his/her spouse both have coverage, the claims should go through the patient's plan first. Any expenses that are not covered by the patient's plan can then be submitted to the spouse's plan along with an explanation of benefits from the initial claim.

If the employee and his/her spouse have dependants, the claim goes through the plan of the parent whose birthday falls earlier in the calendar year, then to the other parent along with an explanation of benefits.  

When parents are divorced or separated, the dependant's claims should be submitted in this order: 

  1. The plan of the parent with custody 
  2. The spouse of the parent with custody 
  3. The parent who does not have custody
  4. The spouse of the parent who does not have custody

Coordinating benefits can help employees to save money on health and dental claims and ensure that they are receiving the most amount of coverage available to them. 

Dental fees in Alberta - it's different here!

Alberta is the most expensive place to get dental care in Canada

In the past 10 years, fees for dental services have climbed 56%, and Alberta is the most expensive place in Canada to care for your pearly whites. 

Bruce Yaholnitsky is a Calgary dentist and a director for the Alberta Dental Association and College who gave several reasons for our high costs:

  • dental hygienists' salaries, which are higher than the national average
  • higher overall costs in economies like Fort McMurray
  • Calgary's steep downtown parking rates, which are among the highest in Canada
  • Alberta's health care professions' infection prevention standards

Dental Fee Comparison

Lee Kinasewich, Gold Key benefits advisor, says: "You need to know what exactly is covered by your plan, including how often you can visit your dentist, how many units of scaling are included, and educate yourself on the fee guide set out by your insurance company so you can compare that against a dentist's fees."

No set fee schedule in Alberta

Because the Alberta Dental Association does not regulate fees, each dental office sets its own prices. Each insurance company also sets their own fee guide. What does this mean for you as a patient?

  • your plan provides 80% coverage
  • your dentist's for a new patient exam is $80
  • your insurance company's fee guide for the exam is $65
  • your insurance company will only pay 80% of their fee for the procedure (so 80% of $65), not 80% of the dentist's fee ($80)
  • you will pay your 20% portion + the difference between your insurance company's fee and the dental office fee

 

Chambers of Commerce Group Dental & Health Insurance Enjoyed by 25,000 Canadian Businesses

Group Dental & Health Insurance Enjoyed by 25,000 Canadian Businesses

Chambers of Commerce Group Insurance Plan has been protecting Canadian firms for over 40 years. From Victoria to St. John's, over 25,000 small to medium-sized businesses use the Chambers Plan to protect their employees with comprehensive group benefits including dental and health insurance – making it Canada's #1 employee benefits plan for small business.

Thousands of small business owners join the Chambers Plan each year because it's the simple, stable, smart choice for their business: combining accessibility, flexible options and pooled benefits that add stability to their employee benefits.Firms stay with the Chambers Plan year after year because the Plan combines unsurpassed value with excellent customer service at the national and local levels.

Made For Small Business: Accessibility & Flexibility

Over 25,000 businesses purchase group benefits from the Chambers Plan. Comprehensive benefit packages apply to home-based businesses and small business firms – with no industry restrictions. For-profit businesses with three people and up are eligible for guaranteed coverage.

Flexible group plans are also available for larger firms with up to 35 employees. All plans start with employee life insurance. Your Chambers Plan advisor can help you select the right options for building as comprehensive a plan as you wish to meet your exact needs and fit your budget.