Sun Life Financial, US

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Dental Plan FAQ's

Plan benefits

  1. I am enrolled in your dental program, but I don't know which one. How do I find out?
  2. Will my plan cover braces?
  3. What happens if I need dental care and I am out of the country?
  4. How will I know when I've met my deductible, annual/lifetime maximum?
  5. Is there a family deductible limit?

I am enrolled in your dental program, but I don't know which one. How do I find out?

We offer a variety of dental programs. To confirm the plan that you are in call Customer Service at 800.442.7742.

Will my plan cover braces?

We offer a wide range of plan options to employers. Please refer to your benefits booklet under Covered Dental Expenses to determine if your plan covers Orthodontic Services.

What happens if I need dental care and I am out of the country?

Benefits are excluded for treatment performed outside the United States, except for emergency dental care. The maximum benefit payable is $100.00 to any person during a benefit year for covered dental expenses related to emergency dental care performed outside the United States.

How will I know when I've met my deductible, annual/lifetime maximum?

An Explanation of Benefits statement will be made available to you when your claim is paid. It will show the amount applied to your deductible and the amount paid which applied to your benefit maximums.

Is there a family deductible limit?

Yes, the family deductible is shown on the Schedule Page of your benefits booklet. It indicates the number of persons in your family unit who must each satisfy an individual deductible in order to satisfy the family deductible. Once that number of persons has satisfied a deductible for a benefit year, we will consider the deductible to be satisfied for each person in your family unit for that benefit year.