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Insurance & Direct Billing

We bill most dental plans directly, so you pay less upfront and skip the claim forms. You’ll always get a written estimate before treatment, and we welcome Canadian Dental Care Plan patients at both clinics.

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The reception and waiting area at Green Apple Dental

Fees that follow the BC fee guide.

Our fees follow the BC Dental Association’s fee guide for general dentists, which most dental plans use to set their coverage, so your plan usually covers its share as expected. 3D status scans and intraoral camera photos are included in your care, at no separate charge.

A written estimate firstBefore any treatment begins.
Direct billing and CDCPWe bill your plan for you.
Every cost explainedClearly listed on your invoice.
Help with your planWe explain your coverage in plain language.

How direct billing works.

Most of the paperwork is handled for you.

Bring your details

Your plan and member details at your first visit.

We check coverage

For larger treatment, we can send a pre-treatment estimate.

Your estimate

In writing: what your plan pays, and what you pay.

Treatment

We bill your plan directly.

You pay the balance

Only your share, if any.

What to bring to your first visit.

  • Your insurance card, or your plan and member numbers
  • The plan holder’s name and date of birth, if the plan is through a spouse or parent
  • Details of any second plan
  • Your CDCP member ID, if you have one

Coverage at a glance.

Most plans group treatment into preventive care (checkups and cleanings), basic care (fillings and extractions) and major care (crowns, bridges and implants), often covered at different levels. Every plan is different, so we’ll check yours.

Have the Canadian Dental Care Plan? We bill it directly too. About CDCP

Flexible ways to pay.

What patients ask about insurance and payment.

Still have a question? Just ask. No question is too small, and our front desk team answers ones like these every day.Fleetwood 604-597-1311 · Newton 604-503-1722
What is a pre-treatment estimate?
For larger treatments, we can send your plan the details first, so you know what’s covered before you decide. We’ll explain the result in plain language.
What if my plan doesn’t cover the full cost?
You’ll know your share before treatment begins, from your written estimate. For any remaining balance, we offer monthly payment plans and third-party financing for larger treatments.
Can I use two dental plans?
Yes. Bring the details of both plans to your visit, including the plan holder’s name and date of birth, and we’ll check how they work together for you.
Which payment methods do you accept?
Debit, Visa and Mastercard.
More about dental insurance and direct billing

We Handle the Paperwork

Green Apple Dental offers direct billing to insurance companies, so you can focus on your oral health while we handle the paperwork. We work with various providers to minimize out-of-pocket costs and maximize your coverage. Whether for routine cleanings or specialized treatments, we ensure a seamless, hassle-free experience with exceptional care and service.

We are committed to helping you get the best care while making the most of any dental insurance. Our team will work closely with you to understand your coverage, explain what is included, and ensure you are maximizing your benefits. We can assist with verifying your insurance, providing cost estimates, and helping you schedule treatments in a way that aligns with your plan's limits.

What our team does for you

  • Verifies your coverage before your visit
  • Sends pre-determinations for larger treatments
  • Gives you a written estimate before treatment
  • Bills your insurer directly, so you pay only the balance
  • Schedules treatment around your annual maximum
  • Accepts the Canadian Dental Care Plan (CDCP)

Insurance Companies We Direct Bill

We submit claims electronically to these insurers and most other Canadian dental plans.

  • Alberta Blue Cross
  • Benefits Trust
  • Canadian Dental Care Plan (CDCP)
  • Canada Life Assurance Company
  • Chamber of Commerce
  • ClaimSecure
  • Co-operators
  • D.A. Townley
  • Desjardins Financial Security
  • Empire Life Insurance Company
  • Equitable Life Insurance Company
  • First Canadian Health (NIHB)
  • Great-West Life Assurance Company
  • Green Shield Canada
  • Industrial Alliance
  • Manulife
  • Maritime Life
  • MEBS Multi Employer Benefit Service
  • Pacific Blue Cross
  • Pacific First
  • Quikcard
  • RBC Insurance
  • RWAM Insurance
  • Standard Life Assurance Company
  • Teamsters Insurance
  • Waterfront Employers of BC

Don't see your insurer? Call Fleetwood at 604-597-1311 or Newton at 604-503-1722. We can direct bill most plans in Canada.

Better Understanding Your Insurance Coverage

Dental insurance helps cover the cost of routine and specialized dental care, making it easier for you to maintain a healthy smile without the stress of high expenses. It typically includes coverage for preventive services like cleanings and exams, as well as partial coverage for treatments such as fillings, crowns, and even major procedures like root canals. By understanding the common limits below, you can plan your care and avoid surprises.

Annual maximums

Most dental insurance plans have an annual maximum, which is the maximum amount the insurance will pay toward your dental care each year. Once you reach this limit, any additional costs are your responsibility. This cap can range from a few hundred to a few thousand dollars, depending on the plan.

Waiting periods

Many dental insurance policies have waiting periods for certain procedures, especially for major treatments like crowns or braces. This means you may need to wait anywhere from a few months to a year before insurance will cover these services.

Coverage levels

Preventive care (cleanings, exams, X-rays) is typically covered at 100%, but basic care (fillings, simple extractions) may only be partially covered, often around 70-80%. Major procedures (crowns, bridges, dentures) usually have the lowest coverage, typically around 50% or less, leaving patients with significant out-of-pocket costs.

Excluded procedures

Some insurance plans exclude certain procedures altogether. Cosmetic treatments, like teeth whitening or veneers, are generally not covered, as they are considered elective. Similarly, certain advanced treatments like dental implants or orthodontics may either not be covered or have very limited coverage.

Pre-existing conditions

Dental insurance may not cover pre-existing conditions, meaning if you had a dental issue before enrolling in the plan, treatment for that issue might not be covered. This is often seen with conditions like missing teeth or ongoing orthodontic treatment.

Frequency limits

Even for preventive care, many dental insurance policies impose frequency limits. For example, you might only be able to get two cleanings per year or one set of X-rays every 1-2 years. If you exceed these limits, you will have to pay out of pocket.

Orthodontic coverage

Orthodontic treatments, like braces or aligners, are not always included in standard dental insurance plans. When orthodontic coverage is offered, it often has separate lifetime maximums and higher waiting periods, and may be limited to children under a certain age.

Claim denials

Insurance companies may, on occasion, deny claims for a variety of reasons, such as determining a procedure is not "medically necessary" or requiring pre-authorization before treatment. This can delay or increase your out-of-pocket costs if claims are unexpectedly rejected. Sending a pre-determination before major treatment, which we do for you, avoids most of these surprises.

By understanding these limitations, patients can better plan their dental care and avoid surprises, ensuring that they maximize the benefits of their insurance while managing their financial responsibilities.

Questions about your coverage?

Call either clinic, and we’ll check it for you.

New patients welcome

Request an Appointment

Give us a call or fill out the form and our team will get back to you shortly.