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Direct Billing Dental Insurance In Ottawa
Navigating dental insurance should not feel like a second job. At Inova Dental, we handle the billing process on your behalf so you can focus on your appointment rather than the paperwork. We offer direct billing to most major Canadian insurance providers at both of our Ottawa locations, which means we submit your claim directly to your insurer after your visit so you only pay whatever portion is not covered.
- Inova accepts the vast majority of insurance providers in Canada.
- No additional paperwork for you.
- We can help you make the most of your benefits.
Inova accepts the vast majority of insurance providers in Canada.
What We Need Before Processing your Claim
Most of the information we need can be found on your insurance card or in your benefits booklet. If you are covered under more than one plan, for example through both your own employer and your spouse's employer, please bring the details for both plans so we can coordinate your benefits and maximise your coverage.
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Policy holder name
The name of the person who holds the insurance plan. This may be you, a spouse, or a parent if you are covered under a family plan.
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Insurance ID number
Your unique member identification number as shown on your insurance card or benefits documentation.
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Date of birth
Your date of birth and the date of birth of any dependants being treated, as insurers use this to verify identity and confirm eligibility.
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Policy or group number
The number that identifies the specific plan or group benefit package you are covered under, typically provided by your employer or insurer.
We Accept All Major Insurance Companies
If your provider is not listed above, contact us before your appointment and we will do our best to accommodate your plan. We still may be able to work with your insurance provider.
Frequently Asked Questions
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Does Inova direct bill my insurance provider?
Yes. We work directly with most major providers including Sun Life, Manulife, Canada Life, Green Shield, Blue Cross, Desjardins, Great-West Life, and iA Financial. You show up, we handle the rest.
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What if my insurance doesn't cover the full cost?
We'll always let you know what's covered before any treatment begins. No surprises, no awkward conversations at the front desk. If there's a gap, we'll walk you through your options clearly so you can make an informed decision.
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Can I still be seen if I don't have insurance?
Absolutely. Insurance or not, everyone gets the same care here. We'll give you a clear breakdown of costs upfront so you always know what to expect before anything happens.
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Do I need to contact my insurance provider before my appointment?
No. We handle that side of things. Just bring your insurance information and we'll take it from there. The only time you'd need to contact your provider directly is if your plan requires pre-authorization for specific treatments — and if that's the case, we'll let you know well in advance.
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What if I have coverage under two insurance plans?
That's actually a good position to be in. We can coordinate between both providers — submitting to your primary plan first, then billing the remainder to your secondary plan. It's called dual coverage and we deal with it regularly, so just let us know at booking.
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What if my insurance claim gets denied?
It happens occasionally and it's not the end of the world. We'll help you understand why the claim was denied and what your options are — whether that's resubmitting with additional information, appealing the decision, or finding another way to manage the cost. You won't be left figuring it out alone.
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Does insurance cover cosmetic dental treatments like whitening or veneers?
Most standard insurance plans cover preventive and restorative care but not cosmetic treatments. That means cleanings, fillings, and crowns are typically covered while whitening and veneers usually aren't. We'll always be upfront about what's likely to be covered before any treatment so there are no surprises on the way out.