Your Guide to Dental Insurance in Saskatchewan
Your dental insurance options in Saskatchewan, from provincial benefits to private plans
If you live in Saskatchewan, you can access dental coverage in three ways:
- Provincial coverage: Saskatchewan provides some limited dental coverage through the Supplementary Health Benefits program and the Family Health Benefits program.
- Federal coverage: The Canada Dental Care Plan (CDCP) offers income-based dental coverage for residents who don’t have access to any other dental insurance.
- Private health insurance: Saskatchewan residents who don’t qualify for government programs or have coverage gaps can purchase individual or family dental insurance through private providers.
What dental services does Saskatchewan cover?
Saskatchewan’s dental coverage is, admittedly, quite limited. Routine dental services aren’t covered, but you do get coverage for the following medically necessary services:
- Oral surgery procedures that are required to treat conditions caused by accidents, infection, or congenital problems
- Orthodontic services for a cleft palate if referred by a physician or dentist
- Tooth extractions in some circumstances (like if it’s medically required before undertaking a surgical procedure related to the heart or chronic renal disease)
- Dental implants, in some “exceptional cases”, where no other method of treatment is appropriate (as with some tumors and congenital conditions like cleft palate)
Eligibility for these benefits is reserved to government wards, inmates of provincial correctional facilities, residents of special care facilities who are also eligible for the Senior’s Income Plan, and those enrolled in income support programs, such as:
- Saskatchewan Assured Income for Disability (SAID)
- Saskatchewan Income Support (SIS)
- Saskatchewan Employment Incentive (SEI)
How much does dental insurance cost in Saskatchewan?
Dental insurance in Saskatchewan typically starts around $60 per month for a basic individual plan that covers preventive and routine dental care, such as exams, cleanings, and fillings. Plans with coverage that includes major restorative work, orthodontics, or higher annual maximums can run much higher than that.
Prices will vary based on factors like age, coverage level, and your provider, as well as whether you choose an individual or family plan. Waiting periods, annual limits, and reimbursement rates also affect dental insurance premiums.
Those eligible for government programs like the Supplementary Health Benefits or Family Health Benefits plan receive many basic dental services at little to no cost. However, these provincial programs only cover specific groups, so most Saskatchewan residents must rely on private insurance for preventative and major dental care.
Top 5 companies for private dental insurance in Saskatchewan
We’ve broken down the five best insurers for dental insurance in Saskatchewan, including the best plan and what you can expect to pay.
1. PolicyMe
Why it’s our top pick: PolicyMe’s Guaranteed Issue Dental Care plan is one of the most affordable and comprehensive dental insurance options for Saskatchewan residents. It covers everything from routine cleanings and exams to major restorative procedures such as crowns and bridges—offering excellent value compared to other national providers.
Under the plan, 80% of basic preventive and restorative services are covered immediately with no waiting period, up to $750 in the first year and $900 in subsequent years. You’ll also receive 60% reimbursement for comprehensive services like root canals and periodontal treatments, plus major service coverage beginning in year three.
Premiums start around $72.68/month for adults aged 21–44 in Saskatchewan.
If you’d like your dental insurance to come with a healthy helping of medical coverage for things like prescription drugs, paramedical services, and vision care, consider the Guaranteed Issue Classic plan, which includes the same dental coverage as the Dental Care plan. The Advanced Plan offers even more comprehensive dental benefits, including coverage for orthodontics starting in year 2.
2. GreenShield
Why it made our list: GreenShield Canada offers budget-friendly dental coverage that focuses on the essentials. It is ideal for Saskatchewan residents seeking simple, reliable protection.
The ZONE 2 (Primary) plan provides guaranteed acceptance and covers 80% of basic services and up to 80% of comprehensive care, such as root canals, periodontal treatments, and denture repairs. It doesn’t include orthodontics or major restorative work, but it’s an excellent fit for individuals or families who mainly need routine dental maintenance.
Those who want broader coverage (including crowns and bridges) and faster access to full reimbursement can upgrade to the ZONE 3 (Basic) plan.
Premiums for the ZONE 2 (Primary) plan start around $73/month for adults aged 18–44 in Saskatchewan.
3. GMS
Why it made our list: Headquartered in Regina, GMS (Group Medical Services) is a natural fit for Saskatchewan residents who want flexible health and dental coverage from a local provider. Dental care isn’t automatically included. It’s an optional add-on that can be attached to one of GMS’s three core health plans: BasicPlan, ExtendaPlan, or OmniPlan.
The OmniPlan stands out as the best overall value, combining coverage for paramedical services, vision care, and common medical expenses with the ability to add comprehensive dental benefits.
The OmniPlan begins at approximately $107.75/month in Saskatchewan.
4. Manulife
Why it made our list: Manulife offers two tiers of dental insurance in Saskatchewan to meet different coverage needs. The DentalPlus Basic plan focuses on preventive and routine care—including cleanings, fillings, and extractions—while the DentalPlus Enhanced plan expands coverage to include major restorative services and orthodontics.
Premiums start at $92.20/month for the Basic plan for adults aged 18–44 in Saskatchewan.
5. Sun Life
Why it made our list: For Saskatchewan residents who prefer a comprehensive health-and-dental bundle, Sun Life offers one of the most complete coverage packages in Canada.
The Enhanced Plan includes preventive, restorative, and major dental care, as well as reimbursement for dentures and orthodontics. While premiums are higher, Sun Life is known for robust health coverage and nationwide provider access.
Premiums start at $168.36/month for adults aged 18–44 in Saskatchewan.
How to choose the right dental insurance plan in Saskatchewan
Finding the right dental insurance in Saskatchewan depends on your budget, family size, and current level of coverage. Here’s how to make an informed choice:
- Check if you qualify for government programs: See whether you’re eligible for the Supplementary Health Benefits or Family Health Benefits programs, which offer free or subsidized dental care for low-income families, children, and people on income assistance.
- Review your household’s dental expenses: Look at what you typically spend each year on cleanings, exams, fillings, or dentures. This gives you a baseline for how much coverage you actually need.
- Identify your coverage gap: Subtract any services covered by government programs or workplace benefits from your total estimated costs. The remaining amount is what you’ll need private insurance to cover.
- Compare private insurance plans: Use online quote tools to explore plans available in Saskatchewan. Pay attention to co-pay percentages, waiting periods, annual maximums, and exclusions. Some plans focus on basic preventive care, while others include major restorative services like crowns or orthodontics.
Once you’ve narrowed down your options, weigh the monthly premiums against your likely dental expenses. A higher premium may save you money in the long term if you expect regular dental visits or costly procedures.
FAQ: Dental insurance saskatchewan
Prices listed on this page are based on information available as of October 2025. The prices shown are for general reference only and may vary based on factors like your age, location, and product selection.