Dental insurance

SLPC 25230 1/17 (exp. 1/19)

Flexible dental plans with brighter choices

Next to group medical coverage, dental insurance continues to be the most popular benefit for employees and their families. Sun Life offers a variety of Dental plans that will brighten any employee benefits package, helping you attract and retain talented people while contributing to their oral health and overall well-being.

How does it work?

Because we offer a wide variety of Group Dental options to choose from, you can customize the best plan for your 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)
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 cleanings to major procedures. 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 . . .

Your Employees

  • Easy enrollment
  • Family coverage
  • Access to qualified dentists – through the Sun Life Dental Network®, one of the nation’s largest PPO networks2
  • 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 both
  • Online tools for easy benefits management

1. Dental ASO is not insurance.
2. Our network is made available through dentists under access arrangements with Dental Health Alliance, L.L.C.® (DHA®) and other dental PPO networks.


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

This dental insurance 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 and prepaid dental products are provided and administered by SLHIC under Form Series BDC-GDSA-NY. Product offerings may not be available in all states and may vary depending on state laws and regulations.