What's Covered?

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For a detailed description of what is covered by the Chambers Plan, look through the list of products and services, or type in a keyword you wish to search for. If you already have coverage, your employee booklet details the benefits available under your firm’s coverage as well as any deductibles or limits that may apply. If we don't mention the item you're looking for, then email us, or contact our Service Line at 1-800-665-3365.

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A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z |
B

Basic Dental

The Chambers Plan has options that pay up to $700, $1,000, $1,500 or $2,000 per person (except ‘late entrants’) per calendar year for all dental services.

Bleaching

Cosmetic dental services are not covered.

Braces

For firms that choose dental options with orthodontic benefits, there is 50% coverage for dependent children up to age 18. Plans can have lifetime maximums of $500, $750, $1,000 or $2,000.

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C

Check Ups

The Plan can cover up to two recall oral exams (check-ups) in any calendar year, or once every nine months. One complete oral exam is covered every three years. Emergency or specific oral exams are covered.

Cleaning

Basic dental coverage can include polishing and scaling twice each calendar year, or once every nine months.

Crowns

Firms that choose major dental benefits have 50% coverage of crowns if the tooth cannot be restored in any other way. Molar teeth are covered for metal crowns. Replacements can be covered if the existing crown is at least four years old.

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D

Dental X-Rays

The Plan covers one complete series of periapical films and panoramic film in any 24 month period. Bitewing films and x-rays are covered unless they duplicate current x-rays or are for TMJ procedures.

Dentures

Firms that choose major dental benefits have 50% coverage for standard dentures if the patient needs the dentures because at least one tooth has been removed since the employee's coverage took effect. We will consider claims to replace dentures if the old ones are at least five years old.

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E

Endodontics Services

We offer plans which cover root canal therapy.

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F

Fee Guide

The Chambers Plan uses dental fee guides currently approved by the dental association in each province. Claim payments are based on these schedules of fees, published annually. If there is no provincial fee guide, our practice is to follow the industry wide schedule for that area, approximating current year fees.

Fillings

Fillings are covered at your basic co-insurance level with the following exceptions.
  • Bonded fillings are covered up to the cost of non-bonded fillings.
  • Duplicate fillings on a tooth are not covered within a one year period.

Fluoride

Basic dental coverage can include the topical application of fluoride twice each calendar year, or once every nine months.

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I

Implants

Implants are not covered.

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O

Oral Examinations

The Plan can cover up to two recall oral exams (check-ups) in any calendar year, or once every nine months. One complete oral exam is covered every three years. Emergency or specific oral exams are covered.

Oral Surgery

Basic dental includes uncomplicated removal of erupted or impacted teeth or residual roots, and the anaesthesia required to perform the surgery.

Orthodontics

For firms that choose dental options with orthodontic benefits, there is 50% coverage for dependent children up to age 18. Plans can have lifetime maximums of $500, $750, $1,000 or $2,000.

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P

Periodontal Services

We offer plans which cover work on gums and the bones supporting the teeth.

Pit and Fissure Sealants

Basic dental coverage includes pit and fissure sealants for both insured employees and dependents.

Polishing

Basic dental coverage can include polishing and scaling twice each calendar year, or once every nine months.

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R

Root Canals

We offer plans which cover root canal therapy.

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S

Scaling

Basic dental coverage can include polishing and scaling twice each calendar year, or once every nine months.

Surgery

Basic dental includes uncomplicated removal of erupted or impacted teeth or residual roots, and the anaesthesia required to perform the surgery.

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T

Temporomandibular Joint (TMJ)

This treatment and related procedures are not covered.

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V

Veneers

Cosmetic dental services are not covered.