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A Guide to Understanding Dental insurance in Alberta – What Does it Cover?

When you get dental insurance in Alberta most policies will cover x-rays, cleaning, and a some routine visits to the dentist. These treatments are part of dental care that most dental insurance in Alberta companies are more than willing to invest.

Preventative Dental Care Costs

Preventive dental care lessens and sometimes eliminates major dental problems in the future. Since most dental problems are preventable ( Reassured.ca/dental-insurance ), there’s less need for expensive treatments later. This benefits both you and the insurance company.

Extended Dental Care Costs

If you need expensive treatment such as dental implants, bridges, root canals, dentures etc., your dental insurance company will generally pay a percentage of the treatment cost and you’ll be responsible for the rest.

Dental Insurance in Alberta – Premium and Coverage Rates

The percentage the dental insurance company covers typically varies from 50 per cent to 80 per cent of the dentist’s total fee. The higher the premium you pay, the more your policy will cover for the cost of treatment.

It’s uncommon to find dental insurance in Alberta that will cover 100% of the cost. You should be prepared to pay at least part of your dental treatment costs. However, if you have dual coverage – for example, you have dental coverage under your employer’s plan and your spouse’s plan –  you might be able to get 100% of your dental costs covered.

Dual Dental Insurance Policies

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The Small Business Insurance in Alberta you Might not Know you Need

Protection from unforeseen problems or accidents is what encourages small business owners to look into small business insurance in Alberta. Whether you've been in business for years or you're a start up company ( www.Reassured.ca/small-business-insurance ), you need protection. In fact, if you’ve been in business for a few years and haven’t reviewed your insurance policies, you should. As your company grows, your small business insurance coverage needs to as well.

There are different types of different business insurance, such as car insurance, but there are other problems that can arise. A key person in your business could be diagnosed with a terminal illness or pass away suddenly.

We’d like to let you know about these lesser known types of insurance in this article, so your business is fully covered.

Small Business Insurance in Alberta You Might not be Aware of

Before you think about the stress of how much more insurance will cost you, consider what it really boils down to. The amount you’d have to pay and the potential loss of your company if your partner, or you get into a fatal car accident.

Below are three important business insurance policies you might need, and why you need them.

1:  Key Person Insurance

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