Dental Insurance and Payment in Aurora

Direct billing for every insurance plan

We bill all dental insurance plans directly. We send the claim to your insurer, and the plan pays its portion to us. You pay the part your plan does not cover.

To set this up, give us your plan details when you request a visit. If you are covered by two plans, such as your own and your spouse's, tell us about both. We send the claims in the right order so each plan can do its part.

• Insurance company name
• Group or policy number and your certificate or member ID
• Plan holder's name and date of birth, if the plan is through a spouse or parent

How dental fees are set in Ontario

The Ontario Dental Association publishes a Suggested Fee Guide every year. It lists dental services by code with a suggested fee for each. Dentists are not required to follow it. Each office sets its own fees based on things like time, materials, lab work, staff and overhead.

Many insurers base their coverage on the guide's codes and fees. Some pay based on a guide from a year or more ago. That is why your plan may pay a different amount from your bill. The Royal College of Dental Surgeons of Ontario says your dentist must tell you if a fee is above the guide.

A written estimate before treatment

Your dentist first examines your teeth and talks through your options. Then we give you a written estimate before any treatment starts. It lists each step, any lab or material costs, and what your plan is likely to pay. For a longer plan, it may show a low and high range.

Parisa, our Treatment and Financial Coordinator, can go through the estimate with you. If your plan needs to change during a visit, we explain the new cost and ask for your agreement before going on.

Predeterminations: checking with your plan first

A predetermination is a request we send to your insurer before treatment. The insurer replies with what it expects to pay. This is most useful for crowns, root canals, dentures and other larger work.

A predetermination is not a promise of payment. Your plan's limits and yearly maximums still apply when the claim is made. The CDCP calls this step preauthorization, and for some services it is required.

CDCP and IFHP at our clinic

We accept the Canadian Dental Care Plan for adults and children. CDCP patients are not asked to pay the full cost upfront. You pay your co-payment, plus any fee above the CDCP fee that we have shown you in writing. Our CDCP guide explains eligibility and co-payment levels.

We also accept the Interim Federal Health Program for eligible refugees and asylum claimants. Since May 2026, IFHP dental care has a 30% co-payment. Our refugee dental services guide explains who is covered and what to bring.

No insurance? Ask about our in-house plan

If you have no dental benefits, ask about our in-house dental plan and student program. Our team can explain how they work and whether either one suits your needs.

Whichever option you use, you still get a written estimate before any treatment, so you can see your share before you decide.

Paying your share

Your written estimate shows the amount you are likely to owe. We'll explain your payment options before treatment. Our front desk can answer payment questions when you call.

Keep your receipts. If your insurer pays less than expected, we can help you read the explanation of benefits and see why.

How it works at our clinic

1. Share your plan detailsGive us your insurance, CDCP or IFHP information when you request a visit.
2. ExamYour dentist examines your teeth and explains your options.
3. Written estimateYou get each cost in writing, with what your plan is likely to pay.
4. Predetermination if neededFor larger work, we check with your plan first.
5. Treatment and claimWe bill your plan directly. You pay only your share.

Questions