Elevated dental care for whole body wellness

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Elevated dental care for whole body wellness

The practical side of your care

Fees & insurance.

Before treatment, you should understand the expected cost, how your insurance may contribute and what you will need to pay. Our team can help you work through those details and discuss payment arrangements before your visit.

Understand your insurance
Speak with our team

On this page

Working with your dental plan

Understand your claim. Know your share.

For private insurance, our usual process is payment at your appointment. We submit your claim electronically, and your insurer sends any eligible reimbursement directly to you.

Coverage belongs to your individual plan. A treatment recommendation and an insurance benefit are different things; we will help you understand both before you decide.

Ask about your coverage

01Share your current plan details

Bring your insurer’s name, plan number and member ID. Tell us if your employer, coverage or policy information has changed.

02Review the amount you may owe

Your plan may have a deductible, an annual maximum, limits on how often a service is covered or a percentage that you pay yourself.

03Check your reimbursement

Your insurer assesses the submitted claim under your plan. The amount paid and processing time depend on your coverage and the claim.

01Share your current plan details

Bring your insurer’s name, plan number and member ID. Tell us if your employer, coverage or policy information has changed.

02Review the amount you may owe

Your plan may have a deductible, an annual maximum, limits on how often a service is covered or a percentage that you pay yourself.

03Check your reimbursement

Your insurer assesses the submitted claim under your plan. The amount paid and processing time depend on your coverage and the claim.

Treatment estimates

Discuss the cost before care begins.

Holistic Smiles sets its own fees rather than following the standard Canadian dental fee guide. Ask us for an estimate so you can review the recommended treatment, anticipated charges and possible insurance contribution.

01Plan ahead

For planned treatment, ask about a benefits review or pre-treatment estimate. Your insurer may need procedure details before it can indicate what your plan may pay.

02Allow for approvals

Certain plans or services require information or approval in advance. Let us know if your insurer has asked for an estimate before you proceed.

03Understand the limits

An estimate helps with planning, but it is not a guarantee of reimbursement. Your insurer decides the final benefit using your coverage and remaining limits when the claim is assessed.

Ask us to review any part of the estimate that is unclear, including costs that may fall outside your plan.

Request an estimate

Payment arrangements

Let’s talk about what works for your visit.

If cost is a concern, tell us before your appointment. We can review the estimate and explain the arrangements available for your circumstances.

Payment at your appointment

For private insurance, payment at the visit is our usual approach, with reimbursement sent to you by your insurer. Confirm any alternative arrangement with our team in advance, along with the payment method you plan to use.

Planning a larger treatment

Ask which care needs attention first and whether treatment can be scheduled in stages. Holistic Smiles offers 0% financing for larger treatment plans, subject to eligibility and the applicable terms.

Discuss payment options

Other ways your care may be covered

Government dental benefits.

Government programs have their own eligibility requirements, approval processes and coverage limits. Tell us which program you use before your visit so we can discuss the billing process and any amount you may owe.

Canadian Dental Care Plan

Holistic Smiles bills Sun Life directly for eligible CDCP services. Depending on your coverage, you may still have a co-payment or other charges. Our separate CDCP page explains the process.

Visit our CDCP page

Non-Insured Health Benefits

We can submit eligible dental claims directly to NIHB. Some services need approval before treatment. Let our team know about your NIHB coverage when you arrange your appointment.

Read about NIHB billing

Alberta assistance programs

Provincial benefits vary by program. Contact the Government of Alberta for current eligibility and benefit information, then bring your program details so we can discuss your visit and any coordination needed.

Talk with our team

CDCP coverage percentages

What the plan pays. What you may pay.

Your adjusted family net income determines the CDCP co-payment. These percentages apply to eligible services at the CDCP’s established fees.

Private insurance percentages depend on your own policy. Ask your insurer about its reimbursement rates, deductibles and remaining benefits.

CDCP contributions by adjusted family net income

Family income

CDCP pays

Your co-payment

Below $70,000

100%

0%

Family income

CDCP pays

Your co-payment

$70,000–$79,999

60%

40%

Family income

CDCP pays

Your co-payment

$80,000–$89,999

40%

60%

Family income

CDCP pays

Your co-payment

Below $70,000

100%

0%

$70,000–$79,999

60%

40%

$80,000–$89,999

40%

60%

A 0% co-payment does not always mean a $0 bill. You may still owe the difference between the clinic’s fee and the CDCP fee, as well as charges for services the plan does not cover.

Read the current CDCP coverage rules

We’ll review the estimate and discuss any amount you may need to pay before treatment.

Visit our CDCP page

A little preparation helps

Bring the details. Bring your questions.

01Your insurance information

Have your current insurance card or plan details, member ID and coverage start date available.

02Any estimate or approval

Tell us about documents your insurer has requested and any benefit information or approval you have received.

03Your payment questions

Raise any concerns about upfront costs, reimbursement or a larger treatment plan before your appointment.

CDCP coverage percentages

A clearer picture before your visit.

Our usual private-insurance process is for you to pay at your appointment. We submit the claim electronically, and your insurer sends any reimbursement to you. If you need a different payment arrangement, discuss it with us before your visit. CDCP and NIHB follow separate direct-billing processes

Yes, ask our team for an estimate for the care being recommended. For planned treatment, we can discuss what information your insurer may need to review benefits before you proceed. An estimate is not a guarantee of the insurer’s final payment.

No. For covered CDCP services, Sun Life pays the provider directly. You do not pay the full covered fee and then seek reimbursement yourself. You may still owe co-payments or charges outside the plan. See our dedicated CDCP page for more information.

That depends on your policy. Deductibles, annual maximums, frequency limits, coverage percentages and differences between clinic fees and your plan’s allowances can all affect the amount you pay. Ask your insurer about your current benefits and review the estimate with us.
Contact us before your appointment. We can review the expected cost, discuss whether treatment can be staged when clinically appropriate, and explain available arrangements. Ask about eligibility and terms for 0% financing on larger treatment plans.
Tell our team before your next visit and bring your updated plan or program information. Check any new start date, waiting period or benefit limits with the insurer or program so your estimate uses the most relevant information.

Let’s talk about your next visit.

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