Canada

You are covered "100%" of a fee they pulled out of thin air. They've essentially invented a fee guide without any input from the different provincial dental associations. These invented fees are of course lower than standard fees. How would it ever make sense that a procedure would cost exactly the same across the country, from the fanciest office downtown somewhere, to a minimalist office in someone's house in a rural area? They chose to cover less than what the latter would charge.

It sucks that Sun Life is deceitful in presenting the plan and it's easy for them to paint dentists in a negative light. I'm sorry you're getting played like this, much like everyone else is!

1. Gov covers middle-to-low fees
2. We go to the low/mid fee ones
3. Rich people complain and go to the high fee ones
4. High fee ones slowly go extinct

Okay, so #4 is an unproven wish that ever happens in a Public-private slippery-slope system, but that's got to be what they pitched.

It could be that you require services that are not covered under the plan.

https://www.canada.ca/en/services/benefits/dental/dental-care-plan/guide.html