Dental Insurance & Payment Information
We accept all dental insurance plans, including the Canadian Dental Care Plan (CDCP), and offer direct billing to make managing your child’s dental care easier. Our team is happy to help you understand the insurance and payment process so you know what to expect before treatment begins.
Understanding Your Dental Insurance Coverage
Every dental insurance plan is different, and coverage depends on your individual policy. Some treatments may be fully covered, while others may require a portion or all of the cost to be paid out of pocket.
While we can help with insurance questions and claims, we encourage families to review their benefits with their insurance provider to understand coverage limits, deductibles, and any costs they may be responsible for.
Our treatment recommendations are always based on your child’s dental health and individual needs, rather than the limitations of an insurance plan.
Accepted Payment Methods
For any fees not covered by insurance, we accept
Cash
Debit
E-transfer
Visa
MasterCard
American Express
Direct Billing
We offer direct billing to dental insurance providers, including the Canadian Dental Care Plan (CDCP). This means we can submit eligible claims directly to your insurance provider, reducing the amount you need to pay at your appointment.
If your insurance does not cover the full cost of treatment, you will be responsible for the remaining balance.
Treatment Estimates and Predeterminations
Before beginning treatment, we provide a clear estimate of the expected costs so you can make informed decisions about your child’s care.
If requested, we can also submit a predetermination to your insurance provider before treatment begins. This allows your insurer to review the proposed treatment and provide information about the amount they expect to cover.
Predeterminations are not a guarantee of payment, but they can help you better understand your anticipated out-of-pocket costs.
What Does Dental Insurance Typically Cover?
Most dental insurance plans for children cover a portion of preventive treatments such as checkups and cleanings, X-rays, and fluoride treatments.
Restorative treatments like fillings and crowns are often partially covered, while more complex procedures such as sedation dentistry or pulp therapy may have limited coverage depending on your plan.
We always recommend contacting your insurance provider directly to understand your annual maximums, waiting periods, and coverage percentages before your child’s appointment.
What Is a Predetermination and Do I Need One?
A predetermination is an estimate submitted to your insurance company before treatment begins. It allows your provider to confirm what portion of the cost they will cover so there are no surprises after the appointment.
We are happy to submit a predetermination on your behalf for any planned treatment. Results are sent directly to you either online or by mail, typically within a few weeks.
What Does Dental Insurance Typically Cover?
Most dental insurance plans for children cover a portion of preventive treatments such as checkups and cleanings, X-rays, and fluoride treatments.
Restorative treatments like fillings and crowns are often partially covered, while more complex procedures such as sedation dentistry or pulp therapy may have limited coverage depending on your plan.
We always recommend contacting your insurance provider directly to understand your annual maximums, waiting periods, and coverage percentages before your child’s appointment.
Alberta Child Health Benefit (ACHB)
Families who qualify for the Alberta Child Health Benefit may be eligible for coverage of basic dental services for children. If you believe your family may qualify, we encourage you to contact Alberta Health Services or speak with our team, we can help you understand whether your child’s planned treatment may be covered under this program.
Questions About Dental Insurance?
Our team is happy to answer questions about direct billing, the CDCP, treatment estimates, and payment options. Contact us before your child’s appointment if you would like to discuss your coverage or the payment process.
Contact usFAQs
Does BabyTooth accept my insurance plan?
BabyTooth works with most major dental insurance providers. As a fee-for-service practice, you pay at the time of your appointment and submit to your insurance for reimbursement. Our team is happy to provide itemized receipts and help with any paperwork. Contact us before your appointment if you have specific questions about your plan.
What if I don’t have dental insurance?
No insurance is no problem — many of our families pay out of pocket. We provide clear, itemized estimates before any treatment begins so you always know what to expect. We accept cash, debit, Visa, MasterCard, American Express, and e-transfer. Please speak with our team if you have concerns about costs — we’ll do our best to help you find a workable solution for your child’s care.
Are preventive treatments like checkups and fluoride covered by insurance?
Most insurance plans cover a significant portion of preventive treatments including routine checkups, cleanings, X-rays, and fluoride applications. These are typically the highest-covered category under most plans. We recommend contacting your provider to confirm your specific coverage levels and annual maximums.
How do I submit a dental insurance claim?
After your child’s appointment, BabyTooth provides a detailed receipt with all procedure codes required for your insurance submission. Most plans allow online submission through your provider’s portal or mobile app. If you need assistance understanding your receipt or completing your claim form, our front desk team is happy to help.
