Navigating private dental insurance in Canada can feel confusing, but understanding a few key terms can save you hundreds of dollars each year.
What is "Direct Billing" (Assignment of Benefits)?
Direct billing means the dental office submits your claim electronically through CDAnet directly to your insurer (e.g., Sun Life, Manulife, Canada Life). The insurance provider pays the clinic directly for the covered amount, and you only pay any remaining deductible or co-payment out of pocket.
Without direct billing, you must pay the entire bill upfront and wait several days or weeks for a reimbursement cheque or direct deposit.
Top Tips to Maximize Your Dental Benefits Before December 31
- Most dental benefit maximums reset on January 1: Unused benefit maximums do not roll over. If you need dental work, booking in the autumn ensures you utilize this year's funds.
- Request a pre-determination for major work: For crowns, bridges, or Invisalign, have your dentist submit a pre-estimate to your insurer so you know the exact reimbursement dollar figure in advance.