Dental coverage and benefits
Basic and preventative dental care:
- 85% reimbursement
- Standard oral exam, polishing and X-rays every nine months
- Topical fluoride application once every three consecutive calendar years
- Surgical tooth and root extractions and removal of tumours and cysts, plus drainage of abscesses
- General anesthesia
- Denture repair, relining or rebasing
- Up to eight units of scaling per calendar year
Minor restorative:
- 80% reimbursement
- $800 per person, per calendar year
- Endodontics and periodontics, including treatment of dental pulp diseases, root canal therapy and bone and tissue treatment
- Dental implant surgeries
Major restorative:
- 50% reimbursement
- $800 per person per calendar year for crowns, posts, onlays and inlays
- $800 per person per calendar year for installation or repair of bridges, and permanent partial dentures
Convenience benefits
- Your dental office can submit claims directly
- Claim payments are deposited directly to your bank account
- Email notification of your claim payments
- Annual benefit statement and tax letter
- 24/7, secure, online access to claims and benefit information
Monthly premium
| Ontario* | Quebec* | All Other Provinces | |
| Single | $70.85 | $71.50 | $65.60 |
| Couple | $139.71 | $141.00 | $129.36 |
| Family | $174.21 | $175.83 | $161.31 |
Eligibility
Our dental insurance is popular among retired teachers and others who have retired from Canada’s education community, or those 50+ who are still working and don’t have coverage through work. To be eligible for our group insurance coverage, you must
- Be an RTOERO member (you can sign up when you apply for your coverage!)
- Live in Canada
- Be covered by a Government Health Insurance Plan (GHIP) Coverage is also available for spouses and dependent children residing in Canada.
Two steps to seamless coverage and peace of mind
Start your application before you retire. You’ll be automatically approved for your insurance without the need for additional medical information as long as you apply within 60 days of your previous group insurance ending. Usually, that’s within 60 days of your retirement date.
Step 1: Become an RTOERO Member
Step 2: Complete the insurance application
Not a member? Join now
Apply for insurance
Applying late?
Did your previous group benefits end more than 60 days ago? Don’t worry – you can still be covered.
Learn More
Get your guide to
insurance and membership
Download our information guide for:
- Retirement insurance plan details
- Overview of RTOERO member benefits
- Tips to help you get retirement ready
Discover what membership could mean for you!
