For Patients
Financing and payment plans
Dental care should be within reach of everyone. We offer several financing options so cost can be planned rather than postponed.
Why financing matters clinically, not just financially
The most expensive dentistry is almost always the treatment that was postponed. A cavity deferred becomes a root canal; a failing tooth deferred becomes an extraction and an implant.
Financing exists so that the timing of treatment is decided clinically rather than by what happens to be in your account this month.
Your options
Interest-Free Plans
Available on treatment over $1,200, spreading the cost with no interest applied.
Extended Terms
Payment terms of up to sixty months for larger treatment plans such as full-arch implant restoration.
Third-Party Financing
Partnerships with financing companies including Medicard, with terms built around your budget.
Phased Treatment
Where clinically appropriate, staging treatment across time so cost is spread without compromising the outcome.
What you will always get first
An itemised estimate before anything begins, showing every component — imaging, surgical planning, implant parts, sedation where applicable, and the restoration itself.
No hidden fees. If a figure is not on the estimate, it will not appear on the invoice.
The written estimate comes first
Before you agree to anything, you get the cost in writing, itemised. Not a figure for the treatment as a whole, but a line for each part of it — the examination, the imaging where it is needed, each stage of the work, and the laboratory component.
That matters because dental quotes are often quoted as one number, and one number hides where the money goes. An itemised estimate lets you see which parts are unavoidable, which are optional, and which could be deferred without storing up a problem.
Fees vary between patients because the work does. We provide a written estimate before treatment begins.
How insurance works here, plainly
Dental insurance in Ontario usually covers between 50 and 80 percent of the cost. The percentage depends on the category of care, not on the individual treatment. Preventive work is usually covered at the higher end. Major restorative work sits at the lower end.
- We submit electronically, after treatment. You do not chase the claim, and reimbursement reaches you as quickly as the insurer processes it.
- We verify your coverage before treatment, not after. You know what you will owe before you agree to it.
- Annual maximums are the real constraint. Most plans cap what they pay in a calendar or benefit year. A larger treatment plan often costs you less out of pocket if it is staged across two benefit years rather than compressed into one.
If you are not sure what your plan covers, bring the details to the consultation and we will read it with you. See insurance and payment options for more.
Monthly payments
Some treatment costs more than one benefit year will absorb. For that, financing through iFinance Dental is available, with terms up to 60 months. Low-interest options depend on the plan you qualify for.
It is worth being clear about what this is and is not. Financing does not reduce the cost of treatment; it spreads it. Whether that is sensible depends on the interest, the term and your own circumstances, and it is a decision to make with the numbers in front of you rather than in the chair.
For implant treatment specifically, see dental implant financing.
The Canadian Dental Care Plan
If you hold a CDCP card, it covers a defined list of treatment with co-payment depending on your household income tier. It does not cover everything, and the exclusions matter as much as the inclusions when you are planning.
The detail is on our pages about CDCP coverage and, because it is the question we are asked most often, the CDCP and dental implants.
When cost is what decides between the options
This is worth saying directly, because it is the honest position. For many people the clinical question and the financial question give different answers, and the choice is made on cost.
Replacing a missing tooth is the clearest example:
- A removable denture is the least expensive route, and the one the CDCP covers — partial and complete dentures.
- A fixed bridge costs more, and works where the gap is short and the teeth on either side are sound enough to carry it — dental bridges.
- An implant costs more again, and where there is enough bone to hold one it is usually the option we would suggest first. It restores chewing function, it does not depend on the neighbouring teeth, and it helps hold the bone that would otherwise continue to shrink under a denture — single tooth implants and multiple tooth implants.
Bone volume is the clinical gate. Cost is the practical one. Where bone has shrunk too far, grafting can sometimes make an implant possible that otherwise would not be, which adds cost and healing time to the plan.
The figures for each are on dental implant cost and implants compared with dentures. Fees vary; we provide a written estimate before treatment.
Common questions
Do you offer payment plans?+
Yes, through iFinance Dental, with terms up to 60 months and low-interest options depending on the plan you qualify for. Financing spreads the cost rather than reducing it, so it is worth working through the numbers before you commit.
Will you tell me the cost before treatment starts?+
Yes. You receive a written, itemised estimate before you agree to anything. Fees vary between patients because the work does.
How much will my insurance cover?+
Usually between 50 and 80 percent, depending on the category of care rather than the individual treatment. We verify your coverage before treatment and submit the claim electronically afterwards.
Can treatment be split across two years to use two annual maximums?+
Often, yes, and for larger plans it can reduce what you pay out of pocket substantially. Whether it is clinically sensible depends on the treatment; we will tell you if waiting would make the problem worse.
What if I cannot afford the treatment you recommend?+
Tell us. There is usually more than one way to address a problem, at different costs, and we would rather discuss the alternative than have you defer care altogether.
Have a question?
Call (905) 479-7777 and we will go through the numbers before you decide.