Insurance Providers We Work With
We accept virtually all dental insurance
Maximize Your Benefits
We work with virtually all dental insurance providers in Canada. Whether you have coverage through your employer, a private plan, or government programs, we can help you maximize your benefits.
Major Insurance Providers
We direct bill the following major insurers (and many more):
National Providers
| Provider | Direct Billing |
|---|---|
| Sun Life Financial | ✓ |
| Manulife Financial | ✓ |
| Canada Life (Great-West Life) | ✓ |
| Blue Cross (all provinces) | ✓ |
| Desjardins Insurance | ✓ |
| Green Shield Canada | ✓ |
| Equitable Life | ✓ |
| Industrial Alliance | ✓ |
| SSQ Insurance | ✓ |
Group Plans
| Provider | Direct Billing |
|---|---|
| Chambers of Commerce Plan | ✓ |
| Johnston Group | ✓ |
| CUMIS | ✓ |
| Co-operators | ✓ |
| Claim Secure | ✓ |
| Maximum Benefit | ✓ |
Government & Public Sector
| Plan | Direct Billing |
|---|---|
| PSHCP (Federal Employees) | ✓ |
| CDCP (Canadian Dental Care Plan) | ✓ |
| NIHB (Non-Insured Health Benefits) | ✓ |
| Ontario Works | ✓ |
| ODSP | ✓ |
| Veterans Affairs | ✓ |
Student Plans
| Institution/Provider | Direct Billing |
|---|---|
| University/College student plans | ✓ |
| StudentCare | ✓ |
| Studentcare Networks | ✓ |
Don't See Your Provider?
We likely accept your insurance. The above list isn't exhaustive—we work with virtually all Canadian dental insurance providers.
If you don't see your provider listed:
- Call us to confirm
- We can verify your coverage before your appointment
- Most plans can be direct billed
How Direct Billing Works
When we direct bill:
- You provide your insurance information
- We verify your coverage
- You receive treatment
- We submit the claim electronically
- You pay only your estimated portion
- Insurance reimburses us directly
Result: You pay less out of pocket at time of service.
Understanding Your Coverage
Common Coverage Levels
Most plans cover:
- Preventive (exams, cleanings): 80-100%
- Basic (fillings, extractions): 70-80%
- Major (crowns, bridges): 50%
- Orthodontics: 50%
Annual Maximums
Most plans have yearly limits:
- Typical range: $1,000-$2,500/year
- Once reached, you pay 100% until it resets
- Usually resets January 1 or your anniversary date
Waiting Periods
New plans often have waiting periods:
- Basic services: Often immediate
- Major services: 6-12 months
- Orthodontics: 12-24 months
Pre-Authorization
For major treatments, we can:
- Submit pre-determination to your insurer
- Get confirmation of coverage before treatment
- Avoid surprises about what's covered
Multiple Insurance Plans?
Coordination of Benefits
Have two plans? (Example: yours + spouse's)
We can bill both:
- Primary insurance billed first
- Secondary covers remaining eligible expenses
- May reduce or eliminate your out-of-pocket costs
Bring information for both plans!
Tips for Maximizing Benefits
Use Your Benefits
- Dental benefits don't roll over—use them or lose them
- Schedule treatment before year-end if you have remaining benefits
- Don't let maximums go unused
Plan Major Treatment
- Spread large treatments across benefit years when possible
- Get pre-authorization for major work
- Consider timing around maximum resets
Stay Current
- Update us on any insurance changes
- Bring new insurance cards
- Inform us if you change employers
No Insurance?
We have options:
- CDCP – Government program for those without insurance
Frequently Asked Questions
Yes! We handle all claim submissions electronically. No paperwork for you.
Insurance plans have limitations: coverage percentages, maximums, waiting periods, and exclusions. We help you understand your specific coverage.
We'll contact you to explain the denial and discuss options. Common reasons include reached maximums, waiting periods, or non-covered services.
We verify benefits and provide estimates, but insurance companies make final coverage decisions. We give you the best information available.
We Make Insurance Easy
Questions About Your Insurance?
Contact us—we're happy to help you understand your coverage and maximize your benefits.
Ready to Book?
We'll verify your coverage and help you understand your benefits before your appointment.
At BluSky we BEElieve in bringing life to your smile. 🐝