Student Dental Coverage in Ontario: What You Need to Know
Thorncrest Dental has created a helpful and easy-to-understand guide tailored for college and university students across Ontario. The Student Dental Coverage Guide breaks down how student insurance works, what’s typically covered, and why it matters for your oral health and finances.
Whether you’re new to student insurance or just need a refresher, the guide explains the basics of preventive services, cost-saving benefits, and what to do if you’re unsure about your plan. It’s especially useful for students trying to maximize their dental benefits while staying on top of school demands.
🔗 Read the full guide here: thorncrestdental.com/student-dental-coverage-guide-ontario
Student dental plan: McMaster University
Policy year is from September 1st 2024 to August 31st 2025 (fall/full-year studies)
January 1st 2025 to August 31st 2025 (winter studies)
Annual Maximum: $600
Basic & Preventive Services:
- Eligible Exams – complete oral examination, recall oral examination, emergency or specific oral examination, consultations.
- Eligible X-rays – full mouth series (maximum of 16 films in any 36 consecutive months), panorex (one in any 36 consecutive months), periapical (no more than 16 films in any 36 consecutive months), bitewing and occlusal (no more than 4 films in 12 consecutive months).
- Fluoride treatments are limited to once per policy year.
Minor Restorative Services:
- Space maintainers are only applicable to dependents under 15 years of age.
- Tooth-coloured fillings are covered provided no more than 24 consecutive months have elapsed since the last restoration.
- Maximum benefit payable will not exceed the fee for a 5 surface restoration regarding the same tooth during one sitting.
Extractions & Oral Surgery:
- 50% coverage of extractions and residual root removal, limited to two wisdom teeth per policy year.
Major Restorative:
- Endodontics, periodontics, crowns, bridges, & posts are covered at 10% under this plan.
- Orthodontic services are not covered under this plan.
Certain exclusions and limitations may apply. Prior to dental treatment for work that is expected to cost $300 or more, students should submit a treatment plan obtained from their dentist to their insurance company for approval. See McMaster University’s booklet or contact your insurance company for more details on your insurance plan.
