Dental Plan

The Edward Jones dental plan will give you something to smile about!

After you satisfy a deductible of $50 per person or $100 per family each year, the plan begins paying a percentage of your expenses. You’ll pay upfront and submit a dental claim form directly to Sun Life for reimbursement.

Where any two or more courses of treatment covered under this benefit would produce professionally adequate results for a given condition, the plan will pay benefits as if the least expensive course of treatment were used. Sun Life will determine the adequacy of the various courses of treatment available, through a professional dental consultant.

After satisfying the annual deductible, this group of services is covered at 80%, to a maximum of $1,000 per calendar year.

  • Complete oral exam, once per 24 months
  • One complete series of x-rays or 1 panorex every 24 months . Polishing (cleaning of teeth) and topical fluoride treatment once every 5 months, up to a maximum of 2 per benefit year.
  • Recall exams and bitewing X-rays (two films), once every five months, maximum of two per plan year
  • Provision of space maintainers for missing primary teeth Scaling (maximum of six units per calendar year)
  • Root canals and surgical procedures (excluding implant surgery)
  • Simple extraction of teeth and removal of impacted teeth (including anesthesia)
  • Fillings (amalgam, composite, acrylic, or equivalent)
  • Treatment of gum disease, including temporomandibular joint (TMJ) appliances
  • Rebase or reline of an existing partial or complete denture
  • Prefabricated metal restorations and repairs to prefabricated metal restorations, other than in conjunction with the placement of permanent crowns

After satisfying the annual deductible, this group of services is covered at 50%, to a maximum of $1,500 per calendar year.

  • Crowns and inlays
  • Repair of bridges or dentures
  • Construction and insertion of bridges or standard dentures. Coverage is limited to teeth extracted while you are covered under this plan. Charges for a replacement bridge or replacement standard denture are not considered an eligible expense during the 5 year period following the construction or insertion of a previous bridge or standard denture unless:
      • it is needed to replace a bridge or standard denture which has caused temporomandibular joint disturbances and which cannot be economically modified to correct the condition.
      • it is needed to replace a transitional denture which was inserted shortly following extraction of teeth and which cannot be economically modified to the final shape required.

These services are covered 50%, to a maximum of $1,500 per lifetime for dependent children under age 19.

  • Correction of malocclusion of the teeth
  • Appliances for tooth guidance or uncomplicated tooth movement
  • Retention appliances
  • Fixed or cemented unilateral and bilateral appliances

Cosmetic treatment, correction of temporomandibular joint dysfunction (TMJ), implants, anti-snoring or sleep apnea devices, replacement of removable appliances that are lost.

This is not a complete list of covered and non-covered expenses. Please see the plan booklet for additional details.