Dental Insurance and Payments

Key Takeaways

Which Dental Insurance Plans do You Accept?

Horizons Dental Care accepts most dental insurance plans in Ontario such as: Canada Life, Manulife, Sun Life, Green Shield Canada, Desjardins Insurance, Empire Life, Industrial Alliance (iA Financial Group).

Do You Accept CDCP?

Yes, we accept the Canadian Dental Care Plan (CDCP)

Do You Accept NIHB?

Yes, we accept the Non-Insured Health Benefits (NIHB) program.

Do You Accept IFHP?

Yes, we accept the Interim Federal Health Program (IFHP).

Do You Accept ODSP?

We currently do not accept ODSP.

Do You Accept Ontario Works?

We currently do not accept Ontario Works.

Do You Accept Healthy Smiles Ontario?

We currently do not accept Health Smiles Ontario.

I’m Covered Under the CDCP, Should I Expect Any Out-Of-Pocket Payments?

Yes. Horizons Dental Care follows the Ontario Dental Association (ODA) fee guide, not the CDCP fee guide. This means that even with 100% coverage under the CDCP, out-of-pocket payments will be required.

What Payment Options Are Available at Horizons Dental Care?

At Horizons Dental Care, we believe everyone deserves high-quality dental care without unnecessary stress about payment. We offer a range of options to make your experience as smooth and affordable as possible: Direct Billing to Insurance, Social Benefits (CDCP, NIHP, IFHP), Debit and Credit Cards (Mastercard, Visa and American Express), E-Transfer or Cash,  and Financing (we’re partners with Humm and iFinance).

Insurance Direct Billing

You only pay your portion based on your coverage

Debit and Credit Card

Mastercard, Visa, American Express and Discover

Financing

We're partners with Humm and iFinance

Social Benefits

We currently accept CDCP*, NIHP and IFHP.

E-Transfer

Or cash, if you prefer

In-House Payment Plans

Available in certain cases, with downpayment + installments

How Does Direct Billing Work for Dental Insurance?

Direct billing makes dental insurance and payments simple. At Horizons Dental Care, we submit your claim to your insurance provider on your behalf, so you only pay any remaining balance not covered by your plan. This saves you time and reduces upfront costs.


Please note: you’ll need to provide a valid photo ID along with your primary and/or secondary insurance information.

We submit claim

No need to pay upfront and wait for reimbursement

Insurance processes

Immediate processing of your insurance claims

Pay your portion

You only pay for what's not covered by your plan