Bring your details
Have the insurer, policy and member information for each active plan ready.
Winnipeg North Dental Family Dentistry
Dental Insurance
Dental benefits can be complicated. We’ll help make the claim process and your estimated patient portion easier to understand.
Let's find a time
Request an appointment
Using your dental benefits
Less paperwork. More clarity.
Insurance supports the cost of care, but every plan has its own limits and rules. Bring your current benefit information and our team will help make the claim process easier to follow.
We submit the claim
When your plan permits, we send eligible claims electronically on your behalf.
Your plan responds
The insurer confirms its payment and any remaining patient portion.
Common insurers & programs
We direct-bill many major benefit providers.
This list is not exhaustive. Claim submission and payment arrangements depend on the rules of your specific plan.
And many other plans
Direct insurance billing
We help with the claim, from submission to response.
When assignment of benefits is allowed, the insurer may pay the clinic directly and you pay the portion that remains. Some plans reimburse their member instead, so the process can vary.
Routine claim submission is part of our patient service. Your benefit contract remains between you and the insurer, and the account holder is responsible for any unpaid balance.
Electronic claims
We submit eligible claims electronically when the insurer or program supports it.
Pre-treatment estimates
For planned care, we can submit a predetermination when supported by your plan.
Two active plans
Bring both sets of information so primary and secondary claims can be prepared in the appropriate order.
Clear patient portions
We explain the insurer response and the deductible, co-payment or fee difference that may remain.
Government dental programs
Coverage for eligible individuals and families.
Program rules, covered services, frequency limits and approval requirements vary. Tell us which program you use when booking.
NIHB
Non-Insured Health Benefits
The NIHB program may cover eligible oral health services for registered First Nations and recognized Inuit clients. Identification, predetermination or prior approval may be required.
Children & families
Jordan’s Principle
Dental requests through Jordan’s Principle may need supporting documentation and authorization. Let our team know if your child has approved coverage or coordinated paperwork.
Federal dental coverage
Canadian Dental Care Plan
The CDCP uses its own eligibility rules, established fees, co-payments, limitations and preauthorization requirements.
Read our complete CDCP guideBefore your appointment
Bring every active plan.
Current information helps us prepare claims correctly and reduces avoidable delays.
✓Insurer or program name
✓Policy or group number
✓Member or certificate number
✓Policyholder’s full name
✓Policyholder’s date of birth
✓Secondary plan information
Before significant treatment
Questions worth asking your insurer.
- →What is my annual maximum and how much remains?
- →What deductible and reimbursement percentage apply?
- →Are there frequency limits or waiting periods?
- →Does this service need preauthorization?
- →Is an alternate benefit or exclusion involved?
- →How are claims coordinated with my second plan?
A predetermination is an estimate, not a guarantee. Eligibility, plan use and the insurer’s final assessment can change the amount paid.
Insurance questions
A little clarity before care begins.
We can help interpret the information supplied by your plan, but only the insurer can make a final coverage decision.
Ask our teamWhat if my plan pays only part of the fee?+
You are responsible for the deductible, co-payment, fee difference, non-covered service or other balance remaining after the claim is assessed. Our team can help explain the response received from your insurer.
Can you tell me exactly what my plan will pay?+
We can provide an estimate using information supplied by your plan, but it is not a guarantee. The insurer makes the final decision, and reimbursement can change if your eligibility or available benefits change.
Can you coordinate more than one plan?+
We can prepare primary and secondary claims when you provide current details for both plans. Submission order depends on who holds each policy and the coordination rules that apply.
Does direct billing mean I will owe nothing?+
Not necessarily. Deductibles, co-payments, plan limits, exclusions and differences between the clinic fee and the plan schedule may leave a patient portion.