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No surprises. Just clear answers about your dental costs.
What we do to keep your costs clear
Four commitments, for every patient, at both offices.
Written estimates, emailed to you
Before any significant treatment, we email you an itemized written estimate. You'll have it in your inbox — not just a verbal number at the front desk.
We flag what isn't guaranteed
If any item on your estimate depends on plan details we can't verify, we tell you before you approve treatment — not after.
The EOB option for major work
For larger treatment plans that aren't urgent, we'll offer to submit a pre-determination (EOB) to your insurer first — so you can have near-certainty before you start.
Billing reviews when something doesn't match
If your bill doesn't match your estimate, contact us and ask for a billing review. We'll pull your estimate and your insurer's actual payment, and walk through the difference with you line by line.
Standard estimate or EOB which one fits your situation?
There are two ways to estimate your coverage. Here's how to choose:
Your situation
Our recommendation
Routine cleaning or checkup
Standard estimate is almost always sufficient
Urgent or time-sensitive treatment
Standard estimate — waiting 4–6 weeks may risk your health
Major work (crowns, implants, ortho) and you can wait
Ask us for an EOB — we'll submit it for you
You've had billing surprises before, anywhere
Tell us. We'll walk through your plan together and recommend the safer route
Want the full picture? Here's how dental insurance actually works.
What your insurer tells us (and what they don't)
What we can typically see: your coverage percentages by category (for example, Basic 80%, Major 50%), your annual maximum, and scaling or X-ray frequency limits.
What we usually cannot see: plan-specific exclusions buried in your policy, treatment you received earlier in the year at a different office, and policy details your insurer only discloses to you, the policyholder.
This is why every dental office in Canada that offers direct billing works from estimates. A standard estimate is our best professional prediction based on what your insurer discloses — highly reliable, but not a guarantee from your insurance company.
What an EOB (pre-determination) is
Accuracy: near-guaranteed. Wait time: typically 4–6 weeks, sometimes longer. One catch: insurers often mail the response only to you, the policyholder — so let us know when it arrives.
For major, non-urgent treatment, this is a great option, and we're happy to submit one for you. For urgent care, waiting several weeks usually isn't worth the risk to your health — that's when a standard estimate makes sense.
What direct billing means
Direct billing is a convenience, but it's also why estimate accuracy matters so much: we're predicting your insurer's payment in real time. When that prediction is off — because of plan details we couldn't see — the difference shows up as a balance on your account. Everything on this page exists to prevent that surprise.
Insurance & billing questions, answered
Is my estimate guaranteed?
What's an EOB and should I request one?
What insurance plans do you accept?
We work with most major Canadian dental insurance providers. Contact either office with your plan details and we'll confirm before your first visit.
What if I don't have insurance?
You'll always receive a written estimate before treatment, and our fees follow the BC fee guide. Talk to us about treatment sequencing if budget is a concern — there's often more flexibility than people expect.
Why did I get a bill after being told I was covered?
Do you offer direct billing?
Can you tell me exactly what my plan covers before my appointment?
Prairie Avenue
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