You are eligible to apply for coverage for the Dental plan if you are:

• under age 70 as of the effective date of coverage,
• and an active member of Doctors Manitoba.

Enrolment is available any time within one year of becoming a member of Doctors Manitoba. If a member does not enrol with that first eligibility window, they are eligible to enrol:

• within 6 months of losing alternate Dental coverage. A notice of termination from your previous provider is required.
• during an open enrolment period. No additional documentation is required.

Because this is a voluntary group plan, Manitoba Blue Cross requires that you enrol according to your true family status. This means if you have a spouse, common-law spouse, or dependent children they must be enrolled. This is how Manitoba Blue Cross protects the viability of the plan, preventing people from enrolling themselves or dependents only at periods when they know they require extensive coverage.

Your Spouse, who is:

• the person you are legally married to, or
• the person you have continuously resided with for at least one year in a conjugal relationship.

Your Dependent children, which are your:

• unmarried children under age 21 (or under age 25 if enrolled as a full time student in an accredited college or university in Canada) who are principally dependent on you for support and maintenance, or
• children of any age with a physical or mental infirmity, provided they were insured prior to age 21, or age 25 if in full-time attendance at a specialized school, college, or university.

If a new dependent joins your family after coverage has started, Manitoba Blue Cross requires that they be enrolled within six months of becoming an eligible dependent. If not enrolled within the six month window, late penalties apply. A new dependent can be added by contacting insurance@​doctorsmanitoba.​ca to request a Notice of Change form. Because Doctors Manitoba handles the administration and invoicing for this plan. 

Coverage begins on the date Doctors Manitoba receives your application, unless you enrol during a re-opening period, where coverage will be in effect as of the date stated during that re-opening.

Once enrolled in the plan, you are not required to re-enrol. Your coverage will renew automatically for January 1^st. You will receive an annual invoice, each year, in the month leading up to January.

If you withdraw from the plan, you may not be able to rejoin the plan in the future. Because the Dental plan is a voluntary group plan, Manitoba Blue Cross has rules about cancelling and the potential to rejoin in the Dental plan in the future. 

• If you cancel with alternate Dental coverage in force, Manitoba Blue Cross will allow you to rejoin the Doctors Manitoba voluntary group Dental plan, provided you submit a new application within six months of the alternate coverage ending, along with a notice of termination from the alternate provider. The notice of termination is how Manitoba Blue Cross verifies that you are applying within that six month window. Alternatively, you can apply during an open enrolment period without a notice of termination.

• If you cancel without alternate Dental coverage in force, Manitoba Blue Cross views this as a voluntary termination and will not let you rejoin the Doctors Manitoba voluntary group Dental plan in the future. 
  • This does not impact your ability to purchase individual or family coverage directly from Manitoba Blue Cross

Basic and Major dental services are subject to a combined maximum of $1,500 per person per calendar year. You will be reimbursed: 80% of eligible expenses for ​“Basic” dental services.

Diagnostic:

• Complete examination once every 2 calendar years
• Recall examinations twice in each calendar year, but not more than once in a 6 month period
• Oral examinations once every 2 calendar years
• Periapical x‑rays
• Full mouth x‑rays or panorex x‑rays once every 2 calendar years, if necessary
• Biopsies
• Bitewing x‑rays twice in each calendar year, but not more than once in a 6 month period

Preventative:

• 1 unit of polishing twice in each calendar year, but not more than once in a 6 month period
• Topical application of fluoride. Up to 2 applications in each calendar year, but not more than once in a 6 month period
• Space maintainers for dependent children under the age of 18 (except when used for orthodontic purposes)
• Appliances to control harmful oral habits

Extractions:

• Uncomplicated procedures for the removal of teeth which are beyond restoration

Restorative:

• Fillings made of amalgams, silicates, plastics and synthetic porcelains
• Repair of damaged dentures. Adding teeth to existing dentures. Relining or rebasing the dentures is limited to once every 3 calendar years

Accidental Injury:

• Major and orthodontic dental services as a result of an accident, to a maximum of $1,000 per person per calendar year. Treatment must commence within 90 days of the accident

Endodontics:

• The usual procedures required for pulpal therapy and root canal filling 

Periodontics:

• The usual procedures for treatment of the diseases of the tissues and bones supporting the teeth
• Bruxism appliance, once every 3 calendar years for an upper and lower
• 10 units combined of scaling and root planing per calendar year

Oral Surgery:

• Complicated surgical procedures performed in the dentist’s office including post-operative care.

Anesthesia:

• General anesthesia or nitrous oxide analgesia administered in the dentist’s office

Pre-Treatment Authorization

The pre-authorization requirement has been established primarily to protect you, by having possible misunderstandings resolved before expensive dental work is carried out.

If the cost of all treatments planned is expected to exceed $500, Manitoba Blue Cross must approve the work in advance. After listing the work planned, your dentist will submit your claim form, with supporting xrays, directly to Manitoba Blue Cross. A notice of assessment will be issued to you and your dentist.

Basic and Major dental services are subject to a combined maximum of $1,500 per person per calendar year. You will be reimbursed at 50% of eligible expenses for ​“Major” dental services.

Extensive restorations:

• Inlays and onlays (one per tooth every 5 calendar years)
• Jackets, crowns, and bridges to rebuild and replace missing teeth. (Only one procedure per tooth every 5 calendar years.)
• Note: Please refer to number 5 of ​“Exclusions and Limitations”

Prosthetic:

• Partial or complete upper and lower dentures, provided by a dentist or licensed denturist. Each procedure limited to once every 5 calendar years. Allowances include all adjustments
• Dental implants, once per lifetime per tooth.

Pre-Treatment Authorization

The pre-authorization requirement has been established primarily to protect you, by having possible misunderstandings resolved before expensive dental work is carried out.

If the cost of all treatments planned is expected to exceed $500, Manitoba Blue Cross must approve the work in advance. After listing the work planned, your dentist will submit your claim form, with supporting xrays, directly to Manitoba Blue Cross. A notice of assessment will be issued to you and your dentist.

You will be reimbursed at 50% of eligible expenses for ​“Orthodontics” (braces or Invisalign), for dependent children under 19 years of age, provided the braces are placed prior to the dependent child attaining the age of 17. Orthodontic benefits are subject to a lifetime maximum of $1,500 per child.

Orthodontic services normally specify an initial fee, and monthly or quarterly fees for on-going treatment. You will receive reimbursement towards the initial fee, and on-going services as they are received. You will not be reimbursed in advance for orthodontic services not yet received.

Manitoba Blue Cross will not pay for the following:

1. Fees arising out of extra services arranged for privately between the patient and dentist.
2. Oral hygiene instruction and plaque control programs.
3. Charges for appliances, which have been lost, broken, or stolen.
4. Gold, crown, fixed bridge, veneers, or other extensive treatment when another material or procedure would have been a reasonable substitute consistent with generally accepted dental practice. Where a reasonable substitute was possible, the covered expense would be that of the customary substitute.
5. Separate charges for general anesthesia except in connection with office procedures as specified in your plan.
6. Bleaching of teeth.
7. Root canal on a permanent tooth more than once per lifetime per tooth.
8. Snoring or sleep apnea appliances.
9. Charges for treatment other than by a dentist, except for treatment performed in a dental office under the supervision and direction of a dentist by personnel duly licensed or certified to perform such treatment under applicable professional statutes and regulations.
10. Diagnostic photographs.
11. Precision attachments.
12. Hypnosis and dental psychotherapy.
13. Provision for facilities in connection with general anesthesia.
14. Polishing restorations.
15. Any procedure in connection with forensic dental.

General Exclusions:

Manitoba Blue Cross will not pay for the following:

• Any services or supplies received unless the person is covered by the government health plan in their home province.
• Services and supplies the person is entitled to without charge by law or for which a charge is made only because the person has coverage under a plan.
• Services or supplies not listed as covered expenses.
• Services related to the treatment of Temporo-Mandibular Joint dysfunction.
• Services and supplies for cosmetic purposes.
• Charges for completing claim forms or missed appointments.
• Services covered or provided through Workers’ Compensation legislation, any government agency or a liable third party.
• Charges for services provided prior to the effective date of coverage.

The application to join the voluntary group Dental plan, and voluntary group Extended Healthcare plan, are done online. You can use one application to apply for one or both coverages.

Access our online Dental and Extended Health enrolment form here

How do you know we received you application?

An automatic response email from insurance@​doctorsmanitoba.​ca will be sent to the email you include in your application, shortly after submitting the application. 

If you do not see the email shortly after clicking submit, check your Junk or Spam folders. If you see the automatic response email in those folders, mark insurance@​doctorsmanitoba.​ca as Not Junk or Not Spam, and add us as a contact.

If you do not find the automatic response email, even in your Junk or Spam folders, it is possible that your application was not successfully submitted and you can check with us by emailing insurance@​doctorsmanitoba.​ca.