Dental Insurance
Sun Life Dental Insurance in Toronto
Accepting Sun Life patients in Corso Italia, St. Clair West, and surrounding Toronto neighbourhoods
If your card says Sun Life, your benefits work here. We direct bill where available and confirm your costs before treatment starts.
Sun Life Coverage at Tinto Dentistry
Sun Life is one of Canada’s major group benefits providers. You may have Sun Life dental coverage through your employer, a professional association, a retirement benefits plan, or an individual policy.
Not sure what your plan includes? Call (416) 651-1745 and we’ll help you figure out the next step.
Before your appointment, we can:
- Check your Sun Life benefits using your plan details
- Provide a treatment estimate with your expected share of costs
- Submit predeterminations for larger treatments like crowns, bridges, dentures, or implants
- Coordinate benefits if you have coverage under two plans
What to bring
- Your Sun Life insurance card, digital card, or plan information
- Your contract or policy number and member ID
- The policyholder’s date of birth if different from yours
If you’ve misplaced your card, check your Sun Life account, benefits app, or HR department.
What Sun Life May Help Cover
Coverage depends on the plan your employer or association set up. Most plans include some combination of the following.
Preventive & Basic Care
- Routine dental exams
- X-rays and diagnostics
- Cleanings, scaling, and polishing
- Fluoride treatments
- Fissure sealants
Basic Restorative
- Fillings
- Simple extractions
- Emergency dental treatment
- Root canal treatment, when included
Major Restorative
- Dental crowns
- Bridges
- Dentures
- Surgical extractions
- Implants, where included in your plan
Other Services
- Invisalign or braces, if your plan includes orthodontics
- Night guards for grinding or clenching
- Periodontal treatment
- Therapeutic Botox for TMJ, where eligible
Coverage is not guaranteed. We confirm your specific benefits before beginning any treatment.
What Affects How Much Your Plan Covers
Annual Maximum
Most plans cap what they’ll pay per benefit year. Once you hit that limit, remaining costs are yours until the plan renews.
Coverage Percentage
Preventive care is often covered at a higher rate than major work. Your plan might cover cleanings at one percentage and crowns at another.
Scaling Units
Many plans use scaling units to limit hygiene coverage. We check your remaining units before your cleaning to avoid surprises.
Frequency Limits
Exams, x-rays, fluoride, and other services may have time-based limits — once every 6, 9, 12, or 24 months depending on your plan.
Deductibles & Waiting Periods
Some plans include an annual deductible or waiting periods before certain treatment categories become active.
Predetermination for Major Work
For crowns, bridges, dentures, implants, or orthodontics, Sun Life may require a predetermination before work begins. We can submit this for you.
How We Work With Sun Life Patients
Share your plan details before your appointment and we’ll check coverage, estimate your portion, and submit claims directly where available. No surprises on the bill.
- We check your benefits in advance whenever possible
- We direct bill Sun Life so you pay only your portion at the visit
- We explain your options before starting treatment
- We submit predeterminations for larger treatment plans
- We coordinate benefits if you have two insurance plans
Ready to Book?
Book a Sun Life Dental Appointment at Tinto Dentistry
Bring your plan details and we’ll sort out coverage before treatment starts.