Question 1

Does my insurance cover preventive care (cleanings and exams)?

Accepted Answer

Most dental insurance plans cover routine cleanings, exams, and X-rays at 100%. However, coverage varies by plan. We recommend checking with your insurance provider to understand what's covered under your specific policy.

Question 2

What is a deductible and how does it work?

Accepted Answer

A deductible is the amount you pay out of pocket before your insurance begins to pay benefits. For example, if your deductible is $50 and you have $200 in dental work, you pay $50 and insurance pays the remaining $150 (minus any coinsurance). Deductibles typically reset on January 1st each year.

Question 3

What's the difference between coverage percentages (50%, 80%, 100%)?

Accepted Answer

Coverage percentages tell you how much your insurance will pay after your deductible is met. If you have 80% coverage on a $500 filling (after deductible), your insurance pays $400 and you pay $100. Preventive care is often 100% covered, basic care 80%, and major work 50%.

Question 4

What is an annual maximum and how do I use it wisely?

Accepted Answer

Your annual maximum is the total dollar amount your insurance will pay in a calendar year, typically $1,000–$2,000. Once you reach this limit, you pay 100% for additional care. We help you plan treatment to maximize your benefits across the year.

Question 5

Can I use next year's insurance benefits early?

Accepted Answer

No, insurance benefits are tied to the calendar year. However, we can help schedule treatment strategically to ensure you're maximizing coverage. If you've exhausted your current maximum, we may recommend spacing major treatment into the new year.

Question 6

What if my insurance denies a claim?

Accepted Answer

If insurance denies or reduces coverage on a claim, our billing team investigates why. We may request a review, appeal the decision, or provide documentation to support the claim. We'll communicate the outcome and any financial adjustments needed.

Question 7

Can I combine insurance coverage with financing plans?

Accepted Answer

Absolutely. Many patients use insurance to cover a portion of treatment and then use one of our flexible financing plans for the remaining balance. This approach minimizes your immediate out-of-pocket cost while keeping monthly payments manageable.

Question 8

What should I bring to my appointment regarding insurance?

Accepted Answer

Bring your insurance card (physical card or a photo). We can look up your coverage with your member ID and group number.

Question 9

Do you accept workers’ compensation or auto insurance benefits?

Accepted Answer

Yes, we accept workers’ compensation claims (WSIB in Ontario) and auto insurance (collision/injury-related dental work). Let us know during your consultation so we can process these claims correctly and ensure proper authorization.

We Work with All Major Dental Insurance Providers

Insurance Providers We Work With

We Handle the Complexity for You

Common Insurance Questions

Questions About Your Coverage?