Clear costs and coverage
Fees, Insurance and Payment Plans
York Road Dental in Guelph direct-bills all major insurers whenever possible, gives treatment estimates and offers in-house payment plans.
Open Saturdays. Not sure what your coverage includes? Call (519) 824-7333 and ask before you book.
How Are Dental Fees Set?
Dentists in Ontario set their own fees. The Ontario Dental Association publishes a suggested fee guide each year, known as the ODA fee guide. The Association says dentists set their own fees and are not required to follow the guide; see its Dental Costs Explained page. Ask us how fees work at York Road Dental.
We do not list dentist prices on this page, because the cost depends on your mouth and your treatment. Dentist cost without insurance can vary a lot, even for two people who need the same type of care. These things change the cost:
The treatment you need
How many visits it takes
The materials and lab work
What your plan pays
You never need to guess. We explain the options and their cost before treatment starts, so you can decide with the facts in front of you.
Direct Billing and Insurance Claims
We direct-bill all major insurers whenever possible, so you can often skip the paperwork. Direct billing means we send the claim to your insurer for you. You pay the part your plan does not cover. These are the insurers we bill:
Sun Life
Manulife
Canada Life
Green Shield
Blue Cross
Desjardins
Here is how dental insurance usually works with us:
You book and tell us your insurer
You bring your insurance card
We bill your plan when we can
You pay any part your plan leaves
The University of Guelph student plans (CSA, GSA and Canada Life) are direct-billed too. We cannot promise every plan can be billed directly, because each plan has its own rules. If yours cannot, we help you with the claim.
Dr. Kaushal has been registered with the RCDSO as a general dentist since 8 June 2018, and her registration can be checked on the RCDSO register.
She is also listed in the Sun Life provider directory, which shows our address. Bring your insurance card to your visit, and tell us if your plan changes. Not sure we can bill your plan? Call us before you come, and our team will check.
Estimates and What Insurance Covers
We give you a treatment estimate before you start, so you know what to expect. To find out what your plan will pay, ask your insurer or our team.
Your insurer can usually tell you in advance what it will cover for a planned treatment. This is sometimes called a pre-determination, and it can help you avoid surprises, especially for larger work.
What your insurance covers depends on your plan, so the answers below are general:
Does insurance cover dental implants? Some plans pay part of the cost, and others pay nothing.
Does insurance cover Invisalign? Some plans include orthodontics, and others do not.
Does insurance cover teeth whitening? Whitening is cosmetic, and many plans do not pay for it.
Ask your plan about limits, waiting periods and how much you have left this year. Our team can explain our side of the estimate, such as which visits the treatment needs.
Using Your Benefits Before They Reset
Many plans reset on January 1, and some reset on another date. Benefits you do not use often do not carry over, so it pays to check your date early in the year and again in the autumn.
If you have benefits left, book your check-up and any planned care before the reset. If a treatment spans two years, ask us how the visits can be spread, and we will explain the options. Ask your plan when your benefits reset.
Our team can tell you which visits your treatment needs, so you can plan around your plan year. Spreading care over two visits before the reset may also let you use more of your benefits, if your treatment allows it.
In-House Payment Plans
We offer in-house payment plans, so you can spread the cost of treatment. Dental financing at York Road Dental is arranged with our team, and a payment plan is worked out with you. Ask about a plan for larger treatment such as implants.
A plan can make a bigger treatment easier to fit into your budget. Tell our team early, ideally before treatment starts, so we can talk it through with you and the cost is clear before you start.
We do not list set terms here, because a plan is discussed with our team. You can pay in these ways:
Cash or debit
Visa or Mastercard
American Express
E-transfer
CDCP Patients
We accept patients covered by the Canadian Dental Care Plan, and we bill CDCP claims directly to the plan.
Your share of the cost under the plan depends on your adjusted family net income, as the Government of Canada explains on its CDCP coverage page, and co-payments and other charges may apply, so ask our team about costs before treatment.
Read how it works on our Canadian Dental Care Plan page.
Questions About Fees and Insurance
Do you direct-bill my insurance?
York Road Dental direct-bills all major insurers whenever possible. Call us if you are unsure about your plan.
Can I pay in instalments?
York Road Dental offers in-house payment plans. Talk to our team about a plan for your treatment, because we do not set fixed terms in advance.
Are you accepting new patients?
York Road Dental is accepting new patients. Book online or call (519) 824-7333, and read what to expect at your first visit on our new patients page.
Ask About Your Coverage in Guelph
Ask our team about your coverage, or book your visit now. Families are welcome, and children are seen from age 1. See children's dentistry.