Patients often have the same core questions about their dental insurance. Using this FAQ on your website will provide clarity and align with your mission of affordable, transparent care.
We accept and process claims for all major private and employer-sponsored dental insurance plans (PPO, traditional indemnity plans). As a courtesy, we will submit claims to any insurance company that allows you to choose your own provider. Please note, we may not be in-network with all managed care or HMO plans.
The CDCP is a federal program designed to help ease financial barriers for eligible Canadian residents who lack private dental insurance. Yes, Human Rose Dental is committed to participating in the CDCP. We accept eligible CDCP members and will bill the plan directly for covered services.
Most dental plans prioritize preventive and diagnostic services (Type I). These services are often covered at 90% to 100% and typically include:
• Routine Exams (1–2 times per year)
• Routine Cleanings (Scaling and Polishing)
• X-Rays
• Deductible: The fixed amount you must pay out-of-pocket before your insurance company begins to pay for basic or major services. (Often waived for preventive care).
• Annual Maximum: The maximum dollar amount your insurance plan will pay toward your dental care within a benefit year. Once this limit is reached, you are responsible for 100% of the cost until the plan resets.
Your insurance plan is a contract between you and your insurer, designed to help reduce your costs, not eliminate them. The amount you pay is called the co-payment or co-insurance, which is the remaining percentage of the bill (e.g., 20% to 50%) that your plan does not cover.
Yes. In line with our mission of affordability, we offer flexible payment plans for complex or extensive treatments. We are happy to work with you to find a solution that fits your human budget.
As a courtesy, we will submit your claim electronically to your insurance company at the time of service. This is called Direct Billing. Your insurer pays their portion directly to Human Rose Dental, and you are only required to pay the remaining co-payment or deductible portion on the day of your appointment.
Yes, for any major work (like crowns, bridges, implants, or orthodontics). Our office will submit a request to your insurance company, and they will send us a letter confirming exactly what they will cover before treatment begins. This eliminates financial surprises.
Yes. We can help you strategically utilize your benefits by spreading extensive treatment across two benefit years (e.g., part in December and part in January) to maximize your annual maximums and minimize your out-of-pocket costs.
Key Dental Plans from the Canadian Government
⚠️ Important Notes & Considerations
If you like, I can check all the dental plans the Canadian federal government currently supports (2025) — including provincial-federal coordination — and list what dental care is covered right now. Do you want me to do that?
Yes. Children may qualify for free or reduced-cost dental services through government programs such as the Canadian Dental Care Plan (CDCP) and various provincial/territorial dental programs.
Coverage varies by program, but many include:
• Check-ups and dental exams
• Cleanings and fluoride treatments
• X-rays
• Fillings
• Emergency dental care
• Extractions
• Sealants
Some programs also cover root canals, space maintainers, and dentures when medically required.
Applications depend on the program:
• For the Canadian Dental Care Plan, apply through the Government of Canada portal.
• For provincial dental programs, apply through your local public health unit or provincial service office.
Most government programs require that children do not already have private dental insurance in order to qualify for subsidized coverage.
Yes—if your dentist participates in the specific dental program. Always confirm with the dental clinic before booking.
Generally, orthodontics are not fully covered, unless the child has a severe medical need. Some programs may offer limited assistance.
Not always. Some programs cover permanent residents, protected persons, and some temporary residents. Check eligibility for your province or the federal program.
Yes. Most refugees receive dental benefits through the Interim Federal Health Program (IFHP) or provincial health programs until they transition to provincial health coverage.
Coverage often includes:
• Emergency dental treatment
• Pain relief and infection treatment
• Simple restorations (e.g., fillings)
• Extractions
• Some diagnostic services
• Limited periodontal services
Coverage levels depend on the IFHP plan and provincial support.
No. Only dentists enrolled with the program can bill IFHP directly. Refugees should confirm with the clinic before scheduling an appointment.
If the service is fully covered by IFHP and the dentist participates in the program, there is no cost.
If a service is not covered, the patient may need to pay privately.
• Present valid IFHP documentation, or
• Contact a community health center or dental public health office for assistance.
Many clinics can help refugees confirm eligibility
Coverage may include some limited or medically necessary procedures, but not all major dental work is covered. It varies case-by-case.
Children who meet residency and tax requirements may qualify for CDCP.
New refugees typically rely on IFHP first, then transition to other programs once their status changes.
• IFHP coverage document or UCI number
• Photo ID (if available)
• Any previous dental records (optional)
Healthy Smiles Ontario is a free dental program funded by the Ontario government. It provides eligible children and youth (17 and under) with preventive, routine, and emergency dental services. Ontario+2wechu.org+2
• Children and youth who are 17 years old or younger. Ontario+2wechu.org+2
• Must be a resident of Ontario. Ontario+1
• Belong to a household that meets certain income thresholds. Ontario+1
• Some children are automatically enrolled if their family receives:
o Ontario Works
o Temporary Care Assistance
o Assistance for Children with Severe Disabilities
o Ontario Disability Support Program (ODSP) Ontario
Services vary depending on the stream but may include:
• Check-ups / exams Ontario+1
• X-rays / radiographs Ontario+1
• Preventive services: cleanings, fluoride, sealants Ontario
• Restorative services: fillings, crowns under some conditions smilecaredental.ca+1
• Endodontic services (e.g., root canals) smilecaredental.ca+1
• Periodontal services (gum treatment) Ontario
• Oral surgery (e.g., extractions) Ontario
• Emergency dental care Ontario+1
• Sedation / anaesthesia for certain treatments smilecaredental.ca
• Cosmetic dentistry (e.g., teeth whitening) Ontario+1
• Orthodontic treatment (braces) is generally not covered. Ontario
• For the Core Services Stream: the HSO card is valid for one benefit year (August 1 → July 31), or until the child’s 18th birthday — whichever comes first. Ontario
• For the Emergency & Essential Services Stream: coverage is valid for 6 months from enrolment (or until the child’s 18th birthday) for that card. Ontario
Yes — there is a Preventive Services Only (PSO) stream that offers limited preventive services (for example: scaling, sealants, fluoride) through public health units. ckphu.com
• Ask your current dentist if they participate in Healthy Smiles Ontario. Ontario+1
• Or, contact your local Public Health Unit — they can help you find a provider. City of Ottawa
You can count on Human Rose Dental for prompt, compassionate care when you need it most. We understand that emergencies happen outside of standard business hours, and waiting in pain is simply not an option.
We are committed to the human element of dentistry and accept patients experiencing a dental emergency.
If you have a dental emergency (such as severe tooth pain, a knocked-out tooth, a broken filling, or persistent bleeding), please call our office immediately. We will prioritize your call to get you scheduled for the earliest available appointment to assess the situation and provide necessary treatment to relieve your pain and address the issue.
Your health and comfort are our top priority, even if you are not a current patient.
Yes, Human Rose Dental is warmly welcoming new patients!
We are always happy to accept new individuals and families who are seeking high-quality, affordable dental care.
• A Warm Welcome: We are committed to the "human element" of dentistry, focusing on comfort, clarity, and personalized treatment from your very first visit.
• Comprehensive Care: Your first appointment typically involves a thorough exam, necessary X-rays, and a professional cleaning to establish your baseline oral health.
• Affordable Care: We will gladly review your insurance plan, including any student or CDCP benefits, to ensure you maximize your coverage and keep your out-of-pocket costs genuinely affordable.
To book your first appointment, you can:
1. Call us directly at our office phone number.
2. Visit our website to fill out our New Patient registration form.
We look forward to meeting you and helping you achieve your healthiest smile!
At Human Rose Dental, we are committed to the "human element" of dentistry, which means prioritizing your comfort and reducing anxiety is fundamental to our care. We know dental fear is common, and we work hard to make your experience relaxed and pain-free.
We always take care of your smile
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