Insurance & Payments

Insurance made simple

We accept most major insurance plans and offer flexible financing — so you can focus on your smile, not the paperwork.

Accepted providers

Insurance we accept

We direct-bill most major insurers. If you don't see yours listed, just ask — we likely accept it.

Sun Life Financial
Manulife
Great-West Life
Canada Life
Blue Cross
GreenShield Canada
Delta Dental
Industrial Alliance
Desjardins
CIBC Insurance
RBC Insurance
The Co-operators
What's covered

Typical coverage by category

Coverage varies by plan. These ranges reflect what most private plans in Ontario reimburse.

Preventive (exams, cleanings, x-rays)
80–100%
Basic (fillings, root canals)
70–80%
Major (crowns, bridges, dentures)Requires estimate
50%
Orthodontics (braces, aligners)Requires estimate
50–60%
Payment options

Flexible ways to pay

No insurance? No problem. We offer transparent pricing and financing for every budget.

Direct billing

We bill your insurer directly so you only pay your share at the visit.

HSA & FSA

We accept Health Spending Accounts and Flexible Spending Accounts from your employer.

Cash & card

Visa, Mastercard, debit and cash all accepted at the front desk.

Questions

Insurance FAQ

Do you direct-bill my insurance?

Yes. We direct-bill most major insurers, so you typically only pay your deductible or co-pay at the visit.

What if my plan isn't listed?

Bring your insurance card to your appointment and we'll verify your coverage. We accept most plans, even if not listed here.

Do you offer financing without insurance?

Absolutely. We offer monthly financing plans and transparent pricing so treatment stays affordable.

How do I know what my plan covers?

We'll review your benefits before treatment begins and provide a written estimate so there are no surprises.

Bring your insurance card to your next visit and we'll handle the rest.