Preventive and basic
Exams, cleanings, x-rays, fluoride, fillings, simple extractions, root canals and gum treatment.
Commonly reimbursed at 80%–100%.
Group Dental
Something to smile about. Besides payday.
From routine cleanings to major dental work, designed around your budget.
Dental is one of the most visible and frequently used parts of a group benefits plan.
MSP does not cover routine dental treatment, so without a plan employees pay for every cleaning, filling and crown themselves. Group dental coverage reimburses a percentage of eligible treatment up to the limits you choose.
S+F helps you balance reimbursement, annual maximums and recall frequency so the plan feels valuable without paying for a design your business cannot sustain.
Key takeaways
- Plans start with preventive and basic care.
- Major restorative work and orthodontics are optional additions.
- Coinsurance and annual maximums control both coverage and cost.
- Recall frequency can matter more to employees than the headline percentage.
- S+F explains the trade-offs before employees encounter them at the dentist.
Dental benefits are noticed twice a year
Most employees and dependants use dental coverage regularly. That makes it easy for people to understand, appreciate and compare when they are considering where to work.
It also means design gaps become visible quickly. A nine-month recall schedule, a shared annual maximum or a fee-guide restriction may be reasonable—but employees need to know what those choices mean.
A good dental plan is not just generous on paper. It behaves the way employees expect when they book an appointment.
How a dental plan is built
Group dental plans begin with preventive and basic care, with broader tiers added according to your goals and budget.
Major restorative
Crowns, bridges, complete or partial dentures, repairs and relines.
Often reimbursed at 50% and may share the basic annual maximum.
Orthodontics
Braces and related treatment, commonly limited to dependent children when included.
Usually an optional add-on with a lifetime maximum.
The fine print employees feel
A few design choices have an outsized effect on what an employee pays at the dental office.
Recall frequency
Determines how often the plan pays for routine exams and cleanings. Adult schedules are commonly six or nine months.
Fee guide
Plans reimburse according to a specified provincial dental fee guide. Employees may pay the difference if a provider charges more.
Assignment of benefits
Some offices bill the insurer directly; others require full payment first and reimbursement later.
We design for the appointment, not the brochure
Two plans with the same reimbursement percentage can create very different employee experiences. We compare frequency limits, annual maximums, fee-guide wording and claims administration—not just the number in the headline.
Then we explain those choices clearly so employees understand the plan before treatment, not after a claim pays less than expected.
How S+F helps
- We match plan tiers to the needs and demographics of your team.
- We compare the employee experience across carriers as well as price.
- We revisit the design at renewal as costs and employee needs change.
Coverage ranges are general plan-design examples, not premium quotes. Benefits are governed by the insurance contract.
Frequently asked questions
Switch benefits brokers with just one signature.
Switching brokers doesn’t mean switching your benefits - and it starts with a conversation, not a contract. Here’s how it actually works.
01
Contact us
Give us a call, send an email, or reach out through the form. No commitment - it just starts the conversation.
The easy part
02
We get to know each other
A meeting or two where we learn about your team, your current plan and your pain points - and you get to know us. Trust comes first.
A conversation, not a pitch
03
We build the plan together
We review your current coverage and design what works best for you - keep your plan, improve it, or rethink it together.
Built around your business
04
One signature
When it all makes sense to you - and only then - one signature makes us your broker. Your benefits never skip a beat.
You’re the judge
Reviews
Don’t just take our word for it
C
Canuck Roofing
We had switched over to S&F Benefits and we are extremely pleased with everything from the initial setup, to the follow-ups, to the whole team and all the benefits offered. They are always super speedy in their replies and very helpful. It has made dealing with our corporate benefits a breeze and a relief! We highly recommend Reena, Chad, and their whole team to any business looking to get benefits — you will be happy you chose them!
C
Coastal Key Mortgage & Realty Group
Over the years I’ve had the pleasure of working with the team at S+F Group for various insurance products, both personal and business. Their approach is refreshingly laid back, making the entire process stress-free and comfortable, without any pressure. Their expertise and knowledge of insurance products are next level. They’re not afraid to take the time needed to understand our needs while providing tailored advice and solutions. I have referred several of my clients to them, and each one has echoed my sentiments, praising their professionalism and the quality of service they provide. I highly recommend them to anyone in need of reliable and personalized insurance guidance. Their commitment to their clients’ satisfaction is evident in every interaction, making them a standout choice in the industry.
W
Will Wong
Our company have been partnering with S+F Group Benefits for over 20 years, and the bottom line is: all their staff is very friendly, but professional. The thing we like best is they are very quick to respond to our questions. We have been approached many times by other Benefits Company, but we’re staying with S+F as they have always taken time to show us what’s out in the market and explain to us the advantages and disadvantages of what they’re proposing. Highly recommended.