Dental insurance, made simple
Coverage, procedure codes and out-of-pocket costs can feel overwhelming. Here’s how insurance and the Canadian Dental Care Plan work at our clinic, and how we keep the paperwork off your plate.
Real cost example: a cleaning
Typical cleaning fee in Oshawa
$120–300
Your plan covers
Common for preventive care
80%
You pay at the desk
$24–60
How dental insurance actually works
It rarely covers everything at 100%. A plan works more like a set of rules: it pays a percentage depending on the type of care, usually up to a yearly maximum, and sometimes after a deductible.
Exams
Example plan coverage
80%
Fillings
Example plan coverage
70%
Major work, like crowns
Example plan coverage
50%
Percentages differ from plan to plan. We’ll check yours for free before any treatment starts.
Reading procedure codes
Everything billed to your insurance uses a standard 5-digit procedure code from the fee guide. A few you might see on your invoice:
01102
Complete exam for children
~$143
01103
Complete exam for new adult patients
~$191
01205
Emergency exam and diagnosis
$56–162
Direct billing: we do the paperwork
Also called assignment of benefits. We submit the claim to your insurer for you, so you only pay your share.
1
You get your care
Your checkup, cleaning or treatment, as planned.
2
We submit the claim
We send it to your insurer electronically, the same day.
3
Your insurer works out coverage
They calculate what your plan pays.
4
You pay the difference
Just the remaining amount, at the front desk.
Canadian Dental Care Plan (CDCP)
We’re proud to accept the CDCP. This federal program, administered by Sun Life, is for eligible uninsured Canadian residents within set family income levels.
Co-payment by income tier
For exams, X-rays, cleanings, fillings and extractions
0, 40 or 60%
Bring to your visit
- Your CDCP card
- A piece of government-issued photo ID
We submit the claim to Sun Life directly.
New patient offers
Looking for a new dental home? Two ways to save on your first visit.
Option 1
Free professional whitening
Included with a standard new patient checkup, which covers your exam and X-rays.
Option 2
$199 cleaning and checkup
Two units of scaling and polish, a new patient exam and two X-rays.
Limited-time offers. Ask us for details when you book.
Check your coverage
Call or email with your insurance details and we’ll confirm what’s covered before your visit. New patients welcome.
Request an appointment
Call during clinic hours or email us your name, phone number and what you need: checkup, cleaning, emergency, Invisalign, a free consultation, or your insurance or CDCP details. We’ll call you back to confirm a time.
© 2026 Simcoe Smile Dental. All dentists licensed in Ontario and registered with the RCDSO.