Understanding what dental treatment will cost before you sit in the chair makes a real difference. At Mint 32 Dentistry, we are transparent about fees, explain your coverage in plain language, and do not begin any significant treatment without your approval of the estimated cost first. Our front desk team handles the billing side; you focus on your care.
Direct billing means we submit your insurance claim on your behalf; you do not pay the full amount upfront and wait for reimbursement.
We send the claim to your insurer electronically at the time of your appointment. In most cases, the insurer responds within minutes or hours with the amount they will cover.
The insurer reviews the claim against your plan details, your annual maximum, deductible, co-payment level, and any frequency limits that apply to the specific treatment. Their response determines what they will pay.
If your plan does not cover the full cost, the remaining balance is your responsibility. We collect this at the appointment once the insurer's response is received.
If a claim is delayed or returned for additional information, we will contact you to resolve it. We do our best to avoid situations where patients face unexpected invoices after leaving the clinic.
Most private dental plans follow a similar structure, though the specific amounts vary significantly between employers and plan providers.
Key terms to understand in your plan:
If you are unsure what your plan covers, ask your HR department or call the number on the back of your insurance card before your appointment. We can also help you interpret your plan details when you arrive.
For larger treatments, we recommend requesting a predetermination, a formal estimate submitted to your insurer before the work is done.
A predetermination tells you in advance what your insurer will cover toward a specific treatment plan. It is not a guarantee of payment, but it gives you a clear picture of your expected out-of-pocket cost before committing to treatment.
We submit predeterminations on your behalf for any significant planned treatment, crowns, bridges, root canals, and other higher-cost procedures. This is part of how we keep billing transparent.
Mint 32 Dentistry accepts CDCP coverage and submits claims to Sun Life on your behalf.
We confirm your coverage, explain your expected patient portion, and submit preauthorization where required, all before treatment starts.
We accept the following payment methods:
If you have questions about whether we can direct bill your specific insurer, call us at 647-351-8338 before your appointment.
Before your appointment, consider asking your plan provider:
Having this information ready saves time at check-in and avoids surprises.
We accept the Canadian Dental Care Plan for eligible family members, direct billing to most major private insurance providers, and cash or card for any remaining patient portions. Our team confirms coverage before your appointment so there are no surprises.
Our front desk team is happy to walk you through your plan details before you come in.
Yes. We direct bill most major private insurers and CDCP. Bring your insurance card and policy information to your appointment.
We accept most major Canadian dental insurance plans including Sun Life, Manulife, Great-West Life, Blue Cross, and Green Shield. Call us if you are unsure whether your specific plan is supported.
No. The insurer makes all final decisions about coverage. We submit the claim accurately and provide a predetermination for major treatments, but the coverage decision rests entirely with your insurance provider.
A predetermination is a formal estimate submitted to your insurer before treatment begins. It tells you in advance what the plan will likely cover. It is not a guarantee but is the best available estimate of your out-of-pocket cost.
We submit your CDCP claim directly to Sun Life at the time of your appointment. Your co-payment level determines your share of the cost. Some treatments require preauthorization before the appointment can be booked.