FINANCIAL PLANNING
We help you navigate coverage and payment options so you can focus on your care
Dental care is an investment in your health. Understanding how it will be covered should not add stress to the process. Our administrative team helps you navigate insurance claims, coverage questions, and payment options.
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Multiple payment paths to making your dental care affordable
Major Dental Plans Accepted
Vitality accepts most major dental insurance plans. We submit claims electronically on your behalf, which means faster processing and less paperwork for you. We recommend reviewing your benefits with your insurance provider before treatment begins.
Contact Us About Your PlanCanadian Dental Care Plan
Vitality is a participating provider under the Canadian Dental Care Plan (CDCP). If you are eligible for CDCP coverage, preventive services such as exams and cleanings may be covered at no out-of-pocket cost. Our team can help you determine your eligibility.
Learn About CDCPFlexible Implant Financing
For dental implant treatment and other significant procedures, we offer flexible financing options that allow you to spread the cost of treatment over time. Monthly payment plans are available through third-party financing partners.
Explore FinancingOUR APPROACH
We believe that financial considerations should inform your decision — but they should not prevent you from understanding your options. Every consultation at Vitality includes a clear, detailed estimate so that cost is never a surprise.
Our treatment coordinators can walk you through financing options, help you understand your insurance benefits, and coordinate coverage between multiple plans. If you have questions about how a specific treatment will be covered or what your out-of-pocket costs will be, our administrative team is here to help.
Schedule Your ConsultationPAYMENT OPTIONS
Most dental insurance plans cover basic preventive care at 80-100%, basic restorative treatment (like fillings) at 70-80%, and major restorative treatment at 50%.
Coverage limits typically range from $1,000-$2,000 per year per person. Once your annual limit is reached, you pay out-of-pocket for additional treatment.
Understanding your specific plan is essential for treatment planning and budgeting.
At Vitality, we help you understand your treatment costs and work with your insurance to process claims efficiently.
Some government programs provide dental coverage for eligible individuals. Coverage varies by program and jurisdiction.
Seniors may qualify for coverage through specific programs, though many programs have limited benefits.
We can help you understand what government coverage you may qualify for and how to maximize those benefits.
Ask our team about coverage options available in Ontario.
For patients with limited insurance coverage or needing treatment beyond their annual maximum, we offer flexible payment plans.
These allow you to spread treatment costs over time without taking on high-interest credit card debt.
Monthly installments make treatment more affordable and accessible.
Our team works with you to find a payment arrangement that fits your budget.
Some patients prefer to pay treatment costs directly, either in full or through their own financing arrangements.
We accept various payment methods for your convenience.
Cash payments may sometimes qualify for a professional discount, so ask about our payment options.
We're flexible in working with you to make treatment affordable.
Getting answers
Vitality accepts most major dental insurance plans. Please bring your insurance card to your appointment, or call us at (905) 479-7777 for questions about your insurance.
Coverage varies significantly by plan. Most plans cover a portion of implant restorations but not the surgical placement. Our team can review your plan details and explain what your insurance will and won't cover before you begin treatment.
The CDCP covers eligible seniors and low-income Canadians for preventive services like exams, cleanings, and some basic treatments. Vitality is a participating provider. Our team can help you determine if you're eligible.
We offer monthly payment plans through third-party financing partners, allowing you to spread the cost of implant treatment over time. Our treatment coordinators can discuss options during your consultation.
Yes. Our administrative team can coordinate benefits between plans to maximize your coverage. We submit claims to all applicable plans on your behalf.
Clear, detailed estimates provided at every consultation
Insurance claims submitted electronically for faster processing
Coverage verified before treatment begins
Flexible financing options for major procedures