Insurance & payment at Lambton Dental
We accept all major Canadian dental insurance carriers, direct-bill where your plan allows, and are a provider for the Canadian Dental Care Plan (CDCP) and the Interim Federal Health Program (IFHP). Bring your plan details and we handle the paperwork.
How insurance works at Lambton Dental
The front desk gathers your plan details when you book so we can confirm what your coverage includes before you sit in the chair. For most Canadian dental plans we submit claims electronically on your behalf and collect only the portion your plan does not cover at the visit. Where a plan does not permit assignment of benefits, you pay in full and we help you submit for reimbursement.
For larger treatment we prepare a written estimate and, if you would like, send a pre-determination to your carrier so there are no surprises. Coverage varies from plan to plan, so we always confirm the specifics against your policy rather than making assumptions.
Plans and programs we work with
Bring your plan details to your first visit and we take it from there. We work with:
- All major Canadian private dental insurance carriers, including workplace and individual plans.
- The Canadian Dental Care Plan (CDCP), billed through Sun Life for eligible residents.
- The Interim Federal Health Program (IFHP), billed through Medavie Blue Cross for refugees, protected persons and other eligible groups.
- Second-carrier coordination of benefits when you and a family member each have coverage, so both plans contribute to the covered portion of your care.
Coverage under any plan depends on your eligibility, the services provided and the plan year, so we confirm each visit rather than promising a specific amount, and we send a pre-determination to your carrier before any larger treatment begins.
Explore insurance and payment options
What to expect at your first visit
Share your plan details when you book
Your carrier, policy number and member ID let us confirm coverage before you arrive.
Bring your card and photo ID to the visit
If you are on CDCP or IFHP, bring the member letter or coverage confirmation from your program.
We confirm coverage in real time
The front desk verifies eligibility and, for larger treatment, walks you through an estimate.
Care happens
The dentist explains what is recommended, what is elective and the order it should happen in.
We bill your plan directly where allowed
You pay only the portion your plan does not cover; we submit the claim electronically.
What insurance covers and what it does not
Dental insurance covers a defined set of services, up to limits set by your specific plan. Preventive care such as exams, cleanings and X-rays usually has the highest coverage, restorative work such as fillings and crowns often has a co-payment, and elective cosmetic work is typically outside the covered list. Deductibles, annual maximums and frequency limits (for example how often a cleaning is paid for) all affect what your plan pays on any given visit.
Coverage under CDCP and IFHP is set by the federal program, not by Lambton Dental, and both programs have service lists, annual maximums and prior-approval requirements for larger treatment. We check your specific coverage before treatment so you know your portion in advance, we send a pre-determination to your carrier for larger treatment, and we never bill for something that is not clearly covered without discussing it with you first.
Direct billing, estimates, and payment
We direct-bill your dental insurance where your plan permits, so at the end of the visit you pay only your portion instead of paying in full and waiting for a reimbursement cheque. For CDCP and IFHP we bill Sun Life and Medavie Blue Cross directly and collect any co-payment at the visit.
For treatment beyond routine care we provide a written estimate that shows the expected coverage and your share of the cost, and we can submit a pre-determination to your carrier before we begin. Payment plans for larger treatment through a third-party financing partner are available on approved credit — see payment plans for details.
Why patients choose Lambton Dental for insurance-friendly care
- We accept all major Canadian dental insurance carriers and submit claims electronically for you.
- We are a Canadian Dental Care Plan (CDCP) provider and bill Sun Life directly for eligible patients.
- We are registered with Medavie Blue Cross to bill the Interim Federal Health Program (IFHP) directly.
- Written estimates and pre-determinations for larger treatment mean no surprises at the desk.
- Our team serves patients in English, French, Italian, Spanish, Portuguese, Hindi, Punjabi, Urdu, Tagalog, Vietnamese, Ukrainian, Mandarin and Cantonese, so you can ask your questions in the language you are most comfortable in.
Frequently asked questions
Do you accept my insurance?
Yes. Lambton Dental accepts all major Canadian dental insurance carriers, including workplace and individual plans. Bring your card and plan details to your first visit and we will confirm your coverage and bill your carrier directly where your plan allows.
Do you direct-bill or do I pay first and get reimbursed?
For most private plans and for CDCP and IFHP we direct-bill the carrier, so you pay only the portion your plan does not cover at the visit. If your specific plan does not permit assignment of benefits, we help you submit the claim so your reimbursement arrives quickly.
How much will my treatment cost after insurance?
Your out-of-pocket amount depends on your specific plan, the services you receive and any annual maximum you have already used. For anything beyond a routine cleaning and exam we provide a written estimate, and for larger treatment we send a pre-determination to your carrier before we begin.
Do you take patients without dental insurance?
Yes. Many of our patients pay out of pocket, and our fees follow the current Ontario Dental Association suggested fee guide. We review your options and, for larger treatment, offer payment plans through a third-party financing partner on approved credit.
What do I bring to my first visit?
Your dental insurance card or plan details, a piece of photo ID, and a list of any medications you take. If you are covered under CDCP or IFHP, bring the coverage letter or member details from your program so we can verify eligibility and bill directly.
Does insurance cover cosmetic treatment?
Cosmetic treatment such as whitening, veneers and elective smile makeovers is generally not covered by dental insurance. Where a procedure has a functional component, part of the cost may be covered — we confirm this with your carrier in advance and provide a written estimate.
Book with insurance-friendly care
Share your plan details when you book and the front desk will confirm your coverage before your visit. Direct billing on eligible plans, CDCP and IFHP welcome.