Dental insurance

SLPC 25186 03/20 (exp 03/22)

Flexible dental plans with brighter choices

Next to group medical coverage, dental insurance continues to be the most popular employee benefit. A strong, effective dental insurance plan can help attract and retain talented employees – and that’s why Sun Life offers comprehensive dental benefits that brighten up any employer group.

How does it work?

Because of our wide variety of group dental options to choose from, employers can customize the best plan for their company. And it's all backed by service that's helpful, prompt, and personal.

Plan options

Participating Provider Organization (PPO) plans
  • Active plan – great for groups with employees and dependents who routinely use their dental benefits
  • Passive plan – great for groups with employees who want to continue to see their current providers, regardless of network
  • Maximum Allowable Charge (MAC) plan – great for groups that need a cost-effective solution, with out-of-network costs reimbursed based on a fee schedule
Prepaid/DHMO Dental Plans This plan design offers employees and their families access to a range of dental services from in-network providers at fixed copayment amounts with no deductibles or waiting periods. Our prepaid plans are only available in select markets.
Dual Select plan
(for companies with 20+ employees)
Gives employees the choice of two plans – a basic plan, and an enhanced plan with additional coverage or riders.
Voluntary plans All our Dental plan designs can be offered on a voluntary basis (employees pay all or part of the cost), with enrollment support from Sun Life, including plain language materials and personalized enrollment kits.
Administrative Services Only For companies that self-fund their dental plans, Sun Life can adjudicate and administer employee claims (available to groups with 50+ employees).1

What's covered?

Depending on the plan design, coverage can range from routine dental visits to more complex dental care. Customizable plan features, such as deductibles, coinsurance levels, plan maximums, and benefit waiting periods, help employers control costs. All plans include our basic Lifetime of Smiles® program that helps improve the overall health of your employees. Employers looking for superior coverage can select additional features, such as, Preventive Max Waiver® or Family Share Max®.

Benefits for . . .


  • Easy enrollment
  • Family coverage
  • Access to qualified dentists – through the Sun Life Dental Network®, one of the nation’s largest PPO networks with over 130,000 unique providers2,3
  • Prompt, accurate claims processing
  • Helpful service from Sun Life – to answer questions, find providers, and more
  • Online tools for learning and support


  • Flexible plans with value-added options
  • Claims management
  • Service guarantees if we don't meet certain service standards
  • Funding options: employee-paid, employer-paid, or shared cost
  • Online tools for easy benefits management

1. Dental ASO is not insurance.
2. Netminder data as of September 2019 and based on unique dentist count. For more information, please visit
3.Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks.

The content on this page is not approved for use in New Mexico.

This dental plan does not provide coverage for pediatric oral health services that satisfies the requirements for “minimum essential coverage” as defined by The Patient Protection and Affordable Care Act (“PPACA”).

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01. Prepaid dental products are provided and administered by SLOC under Form Series BDC-GDSA, PDC, and are provided by prepaid dental companies, affiliated with SLOC, under Form Series BDC-GDSA, UDC-CA-GA06-UDC, UDC-CA-GA06-89, FB-NJ-0281, UDC-09-GDSA-TX, PDC in certain states except New York. Prepaid dental companies are Denticare of Alabama, Inc., United Dental Care of Arizona, Inc., UDC Dental California, Inc., United Dental Care of Colorado, Inc., Union Security DentalCare of Georgia, Inc., United Dental Care of Missouri, Inc., Union Security DentalCare of New Jersey, Inc., United Dental Care of New Mexico, Inc., UDC Ohio, Inc., United Dental Care of Texas, Inc., and United Dental Care of Utah, Inc. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) under Policy Form Series 15-GP-01. Administrative Services Only services for self-funded dental plans are administered by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states except New York. In New York, they are administered by Sun Life and Health Insurance Company (U.S.) (Lansing, MI). Product offerings may not be available in all states and may vary depending on state laws and regulations.