Warning to Sun Life shareholders about Obatan LLC offer: Sun Life is not associated with Obatan LLC and does not recommend or endorse this offer. Investors should exercise caution with mini-tender offers. Learn more


Sun Life is ready to help Clients affected by recent severe storms, fires and other tragedies.

Dental insurance

If you are not an employer, explore our content for plan members and familiesbroker or consultant, or dentists and dental offices.

Sun Life dental plans promote better oral health which can lead to better overall health. Our flexible plan options allow employers and members to choose a plan that meets their needs.  Plans include fully insured PPO plans, prepaid or DHMO plans, Administrative Service Only (ASO)1 plans and for those not associated with a employer plan, an individual prepaid or DHMO plan1.

 Our dental product at a glance:

  • PPO dental plans allow members to use any licensed dentist they choose
  • One of the largest national dental PPO networks2 in the U.S.—over 130,000 unique providers nationwide3—means members who use a participating dentist can stretch their dental benefits further
  • Active, Passive or Maximum Allowable Charge (MAC) plans available
  • Dual-choice and triple-choice options where prepaid or DHMO plans are available—combines a PPO and a prepaid or DHMO plan to give members additional plan options to consider
  • Employer-paid and voluntary plan options
  • ASO options are available for employers with more that 50 employees
  • High/Low plan options are available for employers with more than 20 employees 

Our traditional fully-insured PPO dental plans include access to our large nationwide network of dentists. Plan options can include Maximum Allowable Charge plans, also known as MAC plans, Active plans and Passive plans. All plans include Lifetime of Smiles®, our dental health program dedicated to improving the smiles of our members for a lifetime! The program includes:

  • Brush biopsies for early detection of oral cancer.
  • Genetic testing to help identify individuals who are at genetic risk for gum disease.4
  • Periochips to control bacteria and reduce the size of periodontal pockets.4,5
  • Online Dental Health Center that offers members information on preventive dental care.

Clients looking for superior coverage can add select additional features, such as Preventive Max Waiver® or Family Share Max®. Learn more.

Prepaid/DHMO plans give members access to a range of dental services
from in-network providers. Plans offer:

  • Fixed copayment schedule so you know costs up front
  • No deductibles, maximums or waiting periods
  • Preventive services, like cleanings, at low or no cost
  • Specialist services, such as orthodontia, are available at discounted rates

Our prepaid plans are only available in select markets. Learn more.

This benefit may be added to our dental insurance plans. The vision discount plan offers discounts on exams and the purchase of prescription eyewear provided by in-network eye care providers. Fees are automatically reduced at the time of service – no claim forms to fill out!

Our vision discount plans are available in select markets.

You can also choose from the following flexible plan options:

  • Dual Choice for companies with more than 20 employees
  • Triple Choice for companies with more than 30 employees
  • High/Low for companies with more than 20 employees
  • Administrative Services Only for companies with more than 50 employees
  • And, rate guarantees or renewal rate caps

Our Secure Choice Prepaid/DHMO Dental plans1 are available for families, singles and retirees who are looking for an affordable dental plan. We currently offer these plans in Alabama, Arizona, California, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Tennessee and Texas. 

Learn more about the plans, availability by state or to purchase a plan, visit www.slfdental.com.

Sun Life Dental plans promote better oral health

Lifetime of Smiles®—fully-insured Sun Life PPO dental plans standardly include oral health benefits including brush biopsies for the early detection of oral cancer, genetic testing to help identify those at genetic risk for gum disease4, and periochips to control bacteria and reduce the size of periodontal pockets4,5learn more

  • Optional Lifetime of Smiles® plan features such as Brite Solutions®, Preventive Max Waiver® and/or Family Share Max®

Additional details and resources

  • Easy to use find a dentist search
  • Dental Network Optimization Program6—if not already participating in our dental network, we will recruit the dentists that matter most to our members
  • Dental Health Center—available to all Sun Life Dental members to access important dental health information and tips
  • Detailed plan and claim information is accessible by registering for a Sun Life account on our mobile-optimized secure website.
  • Dental ID card is available for download
  • Fast and accurate claims processing
  • Vision Discount Plan (VSP®) may be added where available
  • Rate guarantees or renewal caps available

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

Dental ASO and Prepaid or DHMO is not insurance.

Zelis Network Analytics data as of September 2020 and based on unique dentist count. Each dentist is only counted once. 

Sun Life's dental networks include its affiliate, Dental Health Alliance®, L.L.C. (DHA®), and dentists under access arrangements with other dental networks.

Not available in Montana, New Hampshire, New York, and Vermont. 
Classification of services varies by plan design. 
Available to groups with over 100 lives. 

This dental plan does not provide coverage for pediatric oral health services that satisfy 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 and 16-DEN-C-01. Group and Individual Prepaid dental products are provided and administered by SLOC under Form Series BDC-GDSA, BDC-IDSA, PDC, and are provided by prepaid dental companies, affiliated with SLOC, under Form Series BDC-GDSA, BDC-IDSA, UDC-CA-IDSA, 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, 16-DEN-C-01 and prepaid dental products are provided and administered by SLHIC under Form Series BDC-GDSA-NY and BDC-IDSA-NY.

SLPC 30710 03/21 (exp. 03/23)