Insurance & Billing FAQs
Understanding your coverage and payment options.
Find answers to common questions about dental insurance, billing, and payment options at BluSky Dental.
Insurance Coverage
Do you accept my dental insurance?
We accept most major dental insurance plans, including:
- Sun Life
- Manulife
- Great-West Life
- Canada Life
- Blue Cross
- Desjardins
- Green Shield
- Equitable Life
- Industrial Alliance
- SSQ Insurance
- CUMIS
- Chambers of Commerce
- Government employee plans (PSHCP, RCMP, Veterans Affairs)
- Union plans
- And many more
Not sure if we accept your plan? Contact us with your insurance information and we'll confirm.
Do you direct bill insurance?
Yes! We submit claims electronically on your behalf. Benefits:
- Pay only your portion at time of service
- No paying upfront and waiting for reimbursement
- No claim forms to fill out
- Faster processing
We handle the paperwork so you don't have to.
What does dental insurance typically cover?
Coverage varies by plan, but typical structures include:
| Category | Common Coverage |
|---|---|
| Preventive (exams, cleanings, X-rays) | 80-100% |
| Basic (fillings, extractions, root canals) | 70-80% |
| Major (crowns, bridges, dentures) | 50% |
| Orthodontics (braces, Invisalign) | 50% (often with lifetime max) |
| Implants | Varies widely (sometimes not covered) |
Important: Check your specific plan for annual maximums, waiting periods, deductibles, and frequency limits (e.g., cleanings every 9 months).
Can you verify my coverage before treatment?
Yes! Before any treatment, we:
- Verify your insurance benefits
- Provide a coverage estimate
- Explain your out-of-pocket costs
- Answer any questions
No surprises. You'll know what to expect before we begin.
Canadian Dental Care Plan (CDCP)
Yes! BluSky Dental is a participating provider in the Canadian Dental Care Plan.
If you're eligible for CDCP, we can:
• Provide covered services
• Bill the program directly
• Help you understand what's covered
Learn more about CDCP →
Check CDCP Eligibility →
Without Insurance
No insurance? No problem. We offer several options:
1. Competitive fees — Fair pricing for all services
2. CDCP — Government program for eligible Canadians
3. Treatment prioritization — Address most urgent needs first
We believe everyone deserves dental care. We'll work with you to find a solution.
Costs & Payment
How much does a dental visit cost?
Costs depend on services needed. General ranges:
| Service | Approximate Cost |
|---|---|
| Exam + cleaning + X-rays | $200-400 |
| Single filling | $150-500 |
| Root canal | $800-1,200 |
| Crown | $1,000-2,500 |
| Implant | $3,000-5,000 |
| Teeth whitening | $300-600 |
We always provide estimates before treatment. Costs vary based on complexity and materials.
What forms of payment do you accept?
- ✓ Cash
- ✓ Debit
- ✓ Visa
- ✓ Mastercard
- ✓ American Express
- ✓ Direct insurance billing
What if my insurance doesn't cover something I need?
We'll discuss all your options:
- Alternative treatments — Sometimes equally effective options cost less
- Phased treatment — Address issues in stages
- Prioritization — Focus on most urgent needs first
Your oral health shouldn't suffer because of insurance gaps. We'll find a path forward together.
Do you provide cost estimates in writing?
Yes. For any significant treatment, we provide written estimates including:
- Treatment plan details
- Estimated insurance coverage
- Your estimated out-of-pocket cost
- Payment options
You'll have everything in writing before making decisions.
We're Here to Help
More Questions?
Have specific questions about your insurance or costs?
Call Us:
Centrepointe: (613) 224-8600
Holland Cross: (613) 728-1511
McCarthy: (613) 526-9876
Ready to Book?
Schedule your visit at any of our three convenient Ottawa locations.
At BluSky we BEElieve in bringing life to your smile. 🐝