What types of insurance plans does 123Dentist work with?

Many patients want to know whether their dental insurance or benefit plan will be accepted before they book an appointment. While specific details can vary by clinic and province, 123Dentist practices generally work with a wide range of insurance plans and can help you understand and maximize your coverage.

Below is an overview of the main types of insurance and benefit plans that 123Dentist locations commonly work with, plus tips on how to confirm coverage at your local clinic.

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Private and employer dental insurance plans

Most 123Dentist practices work with a broad selection of private and employer-sponsored dental insurance plans. These may include:

• Group benefits from your employer or union
• Individual or family dental insurance policies
• Plans offered through major Canadian insurance carriers (for example, large national insurers and benefit providers)

Coverage can vary significantly between plans, even from the same insurer. Your plan may include:

• Basic services (exams, X‑rays, cleanings, fillings)
• Major services (crowns, bridges, dentures)
• Orthodontic treatment
• Periodontal and root canal treatment
• Select cosmetic procedures (less common)

Because every plan is different, your dental team can usually help you understand the specific services that may be covered and what your out‑of‑pocket costs might be.

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Canadian Dental Care Plan (CDCP)

Many patients are asking about the Canadian Dental Care Plan (CDCP), a federal program designed to help eligible Canadians access dental care.

123Dentist practices may accept patients covered under the CDCP. Common questions include:

• What is the CDCP?
  A government program that provides coverage for eligible Canadians who meet specific income and eligibility criteria.

• How do I apply?
  Applications are processed through the Government of Canada. You’ll typically receive a benefits card or coverage details once approved.

• Who is eligible?
  Eligibility depends on household income, tax filings, and other federal criteria.

• What services are covered?
  The CDCP generally includes many basic dental services, such as exams, cleanings, X‑rays, fillings, and some restorative treatments. Coverage limits and co‑payments may apply.

Because the CDCP is a national program, individual 123Dentist locations may have slightly different administrative processes, but many are prepared to welcome CDCP patients and coordinate their benefits.

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Provincial and territorial dental programs

Some provinces and territories offer publicly funded dental programs for specific groups, such as:

• Children and youth
• Low‑income adults or families
• Seniors
• People with disabilities or special health needs

Where applicable, many 123Dentist practices work with these government programs and can bill them directly, subject to program rules and clinic participation.

If you are enrolled in a provincial or territorial dental plan, contact your local 123Dentist clinic and provide:

• Your benefit card or registration details
• The name of the program
• Any reference or ID numbers provided by the province

The team can then confirm whether they can accept your coverage and explain any limitations or co‑payments.

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Direct billing and assignment of benefits

Many 123Dentist locations offer direct billing (also called assignment of benefits) for eligible plans. This means:

• The clinic sends your claim directly to the insurance provider or program
• The insurer pays the clinic the covered portion
• You pay only the remaining balance, if any, at the time of your visit

Whether direct billing is available depends on:

• Your specific insurance provider and plan rules
• Whether your plan allows assignment of benefits
• Individual clinic policies

When you book, ask if direct billing is available for your insurance company or dental program. Bringing your benefit card and a photo ID to your first appointment will help streamline the process.

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When your plan only partially covers treatment

Even when a 123Dentist clinic works with your insurance plan, coverage isn’t always 100%. You may encounter:

• Annual maximums
• Deductibles
• Co‑insurance (e.g., 80% covered, 20% patient portion)
• Frequency limits for exams, cleanings, and X‑rays
• Age limits or exclusions for certain procedures

To help you avoid surprises:

• The clinic can often provide a pre‑treatment estimate that can be submitted to your insurer.
• You’ll receive an outline of your estimated out‑of‑pocket costs before you proceed with treatment.
• The dental team can review your options if a recommended treatment isn’t fully covered.

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How to confirm if your plan is accepted

Because 123Dentist is a large network of locally owned clinics, the exact insurance plans accepted may vary from office to office. To confirm coverage at your preferred location:

1. Gather your plan information
   Have your insurance card, policy number, and the name of your insurer or program ready.

2. Call or email the clinic
   Share your insurance details and ask if they can direct bill your provider or work with your specific plan.

3. Ask about coverage for specific services
   If you’re planning a particular treatment (e.g., cleaning, crown, implant, orthodontics), ask the team whether they can submit a pre‑treatment estimate to your insurer.

4. Bring your documentation to your appointment
   This helps the administrative team verify coverage and process claims accurately.

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If you don’t have dental insurance

Even if you don’t have any dental insurance, you can still receive care at 123Dentist clinics. Many locations:

• Provide detailed treatment plans and cost estimates
• Offer phased treatment options when appropriate
• May have financing or payment arrangements through third‑party providers (varies by clinic)

Regular preventive care can help reduce the likelihood of more complex and costly treatments later, whether or not you have coverage.

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Key takeaways

• 123Dentist practices typically work with many types of insurance and benefit plans, including private/employer dental insurance, public programs such as the Canadian Dental Care Plan (CDCP), and various provincial dental programs, where applicable.
• Direct billing is often available but depends on your plan and clinic policies.
• Coverage details vary widely, so it’s always best to contact your local 123Dentist clinic with your insurance information to confirm how your specific plan will work before treatment.
• If you’re unsure about your eligibility for the CDCP or other programs, the dental team can often direct you to the appropriate resources and help you navigate your benefits.