Dental Insurance & Financing
We'll help you navigate costs—no surprises.
Making Dental Care Accessible
At BluSky Dental, we believe quality dental care should be accessible to everyone. We work with you to maximize your insurance benefits, offer direct billing for convenience, and provide financing options for treatments not fully covered by insurance.
We Direct Bill Your Insurance
How Direct Billing Works
We submit claims electronically to your insurance company on your behalf:
- You provide your insurance information
- We verify your coverage and estimate costs
- We submit the claim after your appointment
- You pay only your portion at time of service
- Insurance pays us directly
Benefits:
- No paying upfront and waiting for reimbursement
- No claim forms to fill out
- Clear understanding of your out-of-pocket costs
- Faster, easier process
Insurance Providers We Work With
We work with most major insurance providers including:
- Sun Life
- Manulife
- Great-West Life / Canada Life
- Blue Cross
- Desjardins
- Green Shield Canada
- Equitable Life
- Industrial Alliance
- SSQ Insurance
- CUMIS
- Chambers of Commerce Group
- PSHCP (Public Service Health Care Plan)
- RCMP Members
- Veterans Affairs Canada
- Most union benefit plans
- University and college plans
Don't see your provider? Contact us—we likely work with them too.
Understanding Your Coverage
Typical Coverage Structure
Most dental plans cover services at different percentages:
| Category | Typical Coverage | Examples |
|---|---|---|
| Preventive | 80-100% | Exams, cleanings, X-rays, fluoride |
| Basic | 70-80% | Fillings, extractions, root canals |
| Major | 50% | Crowns, bridges, dentures |
| Orthodontics | 50% (often lifetime max) | Braces, Invisalign |
| Implants | Varies (sometimes excluded) | Dental implants |
Key Terms to Know
Annual Maximum
The total your plan pays per year. Once reached, you pay 100% until the new benefit year.
Deductible
Amount you pay before insurance kicks in (often $25-50/year).
Frequency Limits
How often procedures are covered (e.g., cleanings every 6 or 9 months).
Waiting Period
Time before certain coverage begins (often for major work).
Pre-Authorization
For expensive treatments, we submit plans to insurance for approval before treatment.
Canadian Dental Care Plan (CDCP)
We're a Participating Provider
BluSky Dental participates in the Canadian Dental Care Plan. If you're eligible, we can:
- Provide covered services
- Bill CDCP directly
- Help you understand your coverage
CDCP Eligibility
Generally available to Canadian residents who:
- Don't have dental insurance
- Have household income under $90,000
- Have filed their tax return
No Insurance? No Problem.
Competitive Fees
We offer fair, transparent pricing for all services. We'll provide clear estimates before any treatment.
Payment Plans
For larger treatments, we offer:
In-House Payment Plans
- Spread costs over several months
- No interest in many cases
- Customized to your budget
Third-Party Financing
- Extended payment terms
- Apply for approval
- Low monthly payments
Learn more about Payment Options →
Prioritized Treatment
When budget is a concern, we can:
- Address most urgent needs first
- Phase treatment over time
- Discuss alternatives at different price points
Cost Transparency
Estimates Before Treatment
Before any significant treatment, we provide:
- Written cost estimates
- Insurance coverage verification
- Clear out-of-pocket costs
- Payment options
No surprises. You'll know what to expect before we begin.
Questions About Costs?
Ask us! We're happy to:
- Explain fees for any procedure
- Help you understand insurance coverage
- Find ways to fit care into your budget
Forms of Payment
We accept:
- Cash
- Debit
- Visa
- Mastercard
- American Express
- Direct insurance billing
- Payment plans (for qualifying treatments)
Tips for Maximizing Your Benefits
Use It or Lose It
Most dental plans reset annually. Unused benefits don't carry over—use them before year-end!
Schedule Preventive Care
Preventive services (exams, cleanings) are usually covered at highest rates. Don't skip them.
Plan Major Work Strategically
If you need extensive work and have annual maximums, we can phase treatment across benefit years.
Know Your Limits
Understand your annual maximum and frequency limits so you can plan accordingly.
Submit Pre-Authorization
For major treatments, pre-authorization confirms coverage before you commit.
Questions About Insurance or Payment?
We Make Dental Care Affordable
Our team is dedicated to helping you access the care you need without financial stress.
- Direct billing to most insurance providers
- CDCP participating provider
- Flexible payment plans
- Transparent pricing
Frequently Asked Questions
Yes! We verify your insurance benefits and provide estimates before treatment. You'll know your expected costs upfront.
We'll discuss alternatives, payment plans, and ways to make treatment accessible. We never want cost to prevent necessary care.
We work with most insurance companies. Even if we're not "in-network" (most dental plans don't have networks like medical insurance), we can usually direct bill.
We can verify your specific benefits. You can also check your insurance card, employer benefits booklet, or call your insurance company.
Questions About Costs?
Our team is happy to help you understand your coverage and options.
Call: (613) 728-1511
Address: 20 – 1620 Scott Street, Ottawa, ON K1Y 4S7
At BluSky we BEElieve in bringing life to your smile. 🐝