What Does Dental Insurance Cover in Ontario? A 2026 Guide

Dental insurance in Ontario can be confusing. This guide breaks it down so you can maximize your benefits. ## Does OHIP Cover Dental? OHIP does not cover routine dental care for adults. Exceptions: OW and ODSP recipients may qualify for emergency coverage, and children under 18 in low-income families may be eligible through Healthy Smiles Ontario (HSO). ## What Does Private Insurance Cover? Basic (80-100%): exams, cleanings, X-rays, fillings. Major (50%): crowns, bridges, root canals. Orthodontics (50%, lifetime max): braces, Invisalign. ## How Direct Billing Works At Ari Dental, we offer direct billing to most major insurance providers. We submit your claim electronically — you only pay your co-pay. ## Tips to Maximize Benefits Use your full annual maximum, schedule cleanings early, split major work across two years, check your orthodontic lifetime maximum. ## Verify Your Coverage Call us at 416-977-1414 with your insurance card — we'll verify your coverage before your appointment.