Insurance & Billing Support
We Work With Your Insurance
We work with all major providers. Let us handle the paperwork while you focus on your smile.
Insurance Made Simple
We Work With All Major Dental Insurance Providers
At Dentistry at Vitality Health, we understand that navigating dental insurance can be confusing. That's why we handle the complexity for you. We maintain relationships with all major dental insurance carriers in Ontario, including Great-West Life, Manulife, Sun Life, Blue Cross, Desjardins, and many others.
We submit claims electronically to your insurer immediately after your treatment, which accelerates the reimbursement process. For many patients, insurance covers 50-80% of treatment costs, significantly reducing what you pay out of pocket.
Call About Your PlanOur Services
Insurance Support That Works For You
Payment Options
Pay at your appointment, set up automatic monthly billing, or combine insurance with our flexible financing plans.
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No Insurance?
We can discuss payment plans to make quality care affordable for patients without insurance.
Learn moreInsurance FAQs
Find answers to questions about coverage, benefits, and maximizing your insurance.
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.
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.
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%.
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.
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.
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.
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.
Bring your insurance card (physical card or a photo). We can look up your coverage with your member ID and group number. If you don't have your card, let us know your insurance company name and we can help locate your information.
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.