Total Care – Dental
As the COVID-19 pandemic continues and dental offices re-open, some dental offices will be charging additional fees for Personal Protective Equipment (PPE) in an effort to keep dentists and members safe. These fees can vary depending on the dental office you visit and are not a covered benefit under the NSTU Group Insurance Plan at this time.
The reason why these charges can vary anywhere from $0 - $60 is that the Canadian Dental Association (CDA) introduced these fees and established codes within the CDA system allowing dentists to formally charge fees related to PPE. However, the Nova Scotia Dental Association has not established a fee structure for these codes at this time. Without the fee structure, each dental practice is able to charge what they feel they need to in order to cover their additional overhead with the average charge being roughly $30.
Your NSTU Group Insurance Trustees will continue to monitor the impact charging these fees has on members and will advise of any further updates.
Retired (Under Age 65) & (Age 65 & Over)
The Dental Plan continues if you are enrolled at date of retirement.
The premium is paid 100% by you and deducted monthly from your Nova Scotia Teacher’s Pension.
No termination date – this provision was effective January 1, 2010 and is only applicable to those members enrolled at the time of change.
Coverage
Basic Preventative Services
80% reimbursement for such items as the following (benefit maximums may apply):
- oral examinations;
- cleanings, pit and fissure sealants;
- fillings;
- root canal therapy;
- periodontic services;
- denture repairs or relining;
- extraction of teeth.
Major Restorative Services
60% reimbursement for the following major restorative services to a maximum payment of $1,500 per person per calendar year:
- crown restorations;
- inlay and onlay restorations;
- gold fillings when teeth cannot be restored with other material.
Prosthodontic Services
50% reimbursement to a maximum payment of $1,500 per person per calendar year.
Orthodontic Services
50% reimbursement to a maximum payment of $2,000 per person lifetime.
For a complete breakdown of all of your benefits when you are retired under age 65 and the change when you are retired over age 65, click on the Retired Teachers Benefit Chart.
Underwriters
Underwritten by Medavie Blue Cross
Contact
If you have any questions regarding the above, please call the Administrator, Johnson Inc., at 453-9543 or 1-800-453-9543 (toll-free).
email: insurance@nstu.ca or nstu@johnson.ca
Visit the Johnson Inc. website: www.johnson.ca
Additional Resources
Further details can be found by visiting the Johnson Inc. Members-Only website.