Insurance
Insurance & Payment Information
Understand how direct insurance billing works, what information to bring, and how remaining balances and CDCP coverage are handled.
Less paperwork
What direct insurance billing means
Direct billing allows our team to submit an eligible dental claim to your insurance provider after care. When the insurer pays the covered portion directly to the clinic, you pay the remaining patient portion rather than paying the full amount and waiting to submit the claim yourself.
Direct billing does not change the terms of your plan. Your insurer—not the dental office—decides what is eligible, how much is reimbursed, and whether limits, deductibles, waiting periods, or exclusions apply.
From visit to claim
How direct billing works
- 1
Provide your current plan details
Bring the policyholder, group or plan number, member or certificate number, and secondary insurance information if applicable.
- 2
Receive dental care
Your dentist recommends care based on clinical need. Insurance coverage does not determine which treatment is appropriate.
- 3
We submit the eligible claim
With your consent, the claim is sent electronically when the insurer supports direct submission.
- 4
You pay the remaining amount
You remain responsible for deductibles, co-insurance, non-covered services, plan limitations, and any balance the insurer does not pay.
Before your appointment
Insurance information to have ready
Policy details
Insurance card, policyholder name, group or plan number, and member or certificate number.
Secondary coverage
Details for a spouse’s, parent’s, or other plan if claims may be coordinated.
Plan limits
Annual maximums, deductibles, reimbursement percentages, and frequency limits you know about.
Recent plan changes
Tell us if your employer, insurer, policy number, address, or dependent status has changed.
Your insurer determines
Coverage and reimbursement
- Whether a procedure is eligible
- Your annual maximum and remaining benefits
- Deductibles and reimbursement percentages
- Frequency limits, exclusions, and waiting periods
Our team can help with
Claims and estimates
- Submitting eligible electronic claims
- Requesting a coverage breakdown with permission
- Sending estimates when appropriate
- Explaining the balance shown after claim processing
An estimate is not a guarantee of payment. Insurers assess the final claim using the plan rules and available benefits in effect when the service is provided. Policyholders should keep track of their own limits and coverage.
Payment options
Ways to pay your patient portion
We accept the following payment methods. In-office payment plans may be arranged as needed; ask our team before treatment begins.
- Visa
- MasterCard
- American Express
- Interac
- Cash
Government dental coverage
Canadian Dental Care Plan
York Street Dental Centre welcomes eligible CDCP patients. CDCP is separate from private insurance and has its own established fees, co-payment levels, coverage limits, and preauthorization rules.
Bring your member ID, coverage start date, and co-payment level to your appointment.
Read our complete CDCP guideQuestions about your visit?
Contact our Cornwall dental office
Have your insurance or CDCP information nearby when you call so our team can record the correct details.
Common questions
Insurance and payment FAQs
Do you offer direct billing to insurance?
Yes. We can submit eligible dental insurance claims directly to your insurance provider. Coverage and remaining balances vary by plan.
What payment methods do you accept?
Visa, MasterCard, American Express, Interac, and cash. In-office payment plans may be arranged as needed.
Does direct billing guarantee that my treatment is fully covered?
No. Direct billing is a claim-submission service. Your insurer determines eligibility, plan limits, deductibles, reimbursement percentages, and exclusions. You are responsible for amounts not paid by your plan.
What insurance information should I bring?
Bring your insurance card or electronic policy details, including the policyholder, plan or group number, member or certificate number, and any secondary-plan information.
Can the clinic check my insurance coverage?
With your permission, our team can contact your insurer to request a coverage breakdown. Insurers may limit the information they release, and estimates are not guarantees of payment.
Who pays the remaining balance after insurance?
The patient is responsible for deductibles, co-insurance, plan limitations, non-covered services, and any remaining amount not paid by the insurer.
Ready to book your visit?
New patients are welcome. Call us or request an appointment online.