Financial and Insurance Information

Flexible Options to Make Your Dental Care Easy and Accessible

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.

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

Insurance and Direct Billing

We accept most dental insurance plans across Ontario and offer direct billing for your convenience.

What is direct billing?

It means we submit your insurance claim electronically right from our office, saving you time, paperwork, and out-of-pocket expenses.

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

We work with most major insurance providers, including:

Sun Life Financial
Canada Life
Manulife Financial
Green Shield Canada
Blue Cross
Desjardins Insurance
Industrial Alliance
ClaimSecure
Equitable Life
Empire Life
GroupHEALTH
Cowan Insurance

And many others. If you’re not sure about your coverage, just ask, we’re happy to help you verify your benefits!

We also accept government dental benefits programs:

Canadian Dental Care Plan (CDCP)*
Interim Federal Health Program (IFHP)
Non-Insured Health Benefits Program (NIHB)

Please note:

The assistant dentist and the dentist are very nice. They are very thorough. He explained each and every tooth in a way that I could understand and made a plan that would work with my schedule and budget.

"I recently started a crown replacement treatment with them, and Dr Gustavo has been super nice and caring. (...) They kept asking if I was feeling any pain or discomfort, and kept me informed of what they were doing and why. I've also been doing my cleanings with them and always had a good experience with the hygienists. (...) the reception is also great and is always willing to help and promptly answer any questions I have about procedures/payment/insurance"

I really appreciate the curtesy and care that Horizon Dental Care has provided so far! They made me and my husband feel very comfortable. The dentist explained the procedures, what to expect, how much and even how to sign up for a payment plan! No wonder this facility has a 5 star rating. Thank you again!

Making Dental Care Affordable

At Horizons Dental Care, your oral health is our priority. We will work with you to find the best financial arrangement for your treatment plan. Whether you have insurance, need a payment plan, or want to explore third-party financing, we are here to make it easy.

Before starting any major treatment, we will provide:

A detailed treatment plan

A personalized outline of your recommended procedures, timing, and expected outcomes.
A clear cost estimate

A straightforward breakdown of treatment costs, so you know exactly what to expect.
Insurance pre-approval submission (if applicable)

We handle the paperwork, confirming your insurance coverage before treatment begins.

Payment Options

We offer several payment methods to make settling your balance easy and flexible:

Accepted Payment Methods:

Debit cards
Credit cards (Visa, Mastercard, American Express, Discover)
E-transfer
Cash payments

Need a payment plan?

For certain treatments, we offer in-house financing options:

Flexible installments after a down payment
Interest-free in many cases

Third-Party Financing Available:

We also partner with Humm and iFinance to offer low-interest dental financing options if needed.