Insurance & Payment

Insurance & Payment Options in Downtown Toronto

We make dental care affordable and stress-free — direct billing, flexible payment, and full support with CDCP, so cost is never a guessing game.

4

ways we help you pay: direct billing, CDCP, government programs, and flexible payment plans.

All private plans

Accepted

CDCP

Now accepted

0 surprises

Written estimate first

Our Promise

Affordable Dental Care, Made Simple

You shouldn’t have to worry about cost before you can worry about your teeth. From the moment you book, our team handles the insurance paperwork, verifies your coverage, and explains your options in plain language, no jargon, no guesswork.

Whether you’re covered by a private plan, CDCP, a government program, or paying out of pocket, we build a transparent path forward so you always know what to expect before treatment begins.

Direct Billing

Direct Billing to Your Insurance

We bill your insurance directly, so you only pay your portion, no upfront full payment, and no claim paperwork for you to chase down after your visit.

Find Your Path

What's Your Coverage Situation?

Tap the option that fits you, and we’ll show you exactly how billing works for your case.
Private Insurance

We bill your provider directly

Bring your insurance card and policy details to your visit. We verify your benefits, bill your provider directly, and you pay only what's left after your plan's portion.

CDCP

Accepted at Heritage Dental Studio

If you're enrolled in the Canadian Dental Care Plan, we bill Sun Life directly on your behalf under CDCP. We'll confirm your eligibility and covered services before treatment.

ODSP / Government Programs

We handle the paperwork

We accept ODSP, Ontario Works, and Healthy Smiles Ontario for eligible children. Bring your program documentation and we'll take care of the rest.

No Insurance

Transparent pricing, flexible payment

No coverage, no problem. We provide a full written estimate before treatment and offer flexible payment options, so you know the cost upfront.

Insurance Providers

Insurance Plans We Accept

We accept all private insurance plans, including these major providers:
Don’t see your provider listed? We accept all private insurance plans, call us and we’ll confirm your coverage before your visit.

Canadian Dental Care Plan

CDCP — Now Accepted at Heritage Dental Studio

The Canadian Dental Care Plan (CDCP) helps eligible Canadians access dental care without paying entirely out of pocket. With the plan’s full rollout in 2026, more Toronto residents than ever qualify, and we’re proud to welcome CDCP patients into our studio.

You may be eligible if you:

You may be eligible if you:

Coverage varies by individual plan. We’ll confirm your exact benefits before any treatment begins.

Government Programs

Government-Funded Programs

We accept the following programs and take care of the paperwork on your behalf.

ODSP

Ontario Disability Support Program recipients can access covered dental services with us. Bring your documentation and we'll confirm your benefits.

Ontario Works

We accept Ontario Works dental benefits for eligible adults and children, with paperwork and billing handled by our team.

Healthy Smiles Ontario

Free dental care for eligible children and youth under 17. We'll check your child's eligibility and manage the enrollment details.

Payment Options

No Insurance? We've Got Options

Not having insurance shouldn’t mean putting off care you need. We keep pricing transparent and offer flexible ways to pay.

The Process

How Billing Works at Our Office

01

Bring your info

Share your insurance, CDCP, or program details when you book or arrive.

02

We verify coverage

Our team confirms your benefits and what's covered before treatment.

03

We bill directly

We submit the claim directly to your insurer or plan on your behalf.

04

You pay your portion

You only pay what's left after your coverage, clearly explained upfront.

Ask us for an estimate before any treatment. No hidden fees, ever, we confirm your cost in writing before we begin.

FAQ

Common Questions

Yes. We bill most major insurance providers directly, so in most cases you only pay your remaining portion at the visit, not the full amount up front.

REVIEWS

What Our Patients Say

As a brand new practice, we are just getting started, and we cannot wait to earn your trust. Check back soon to hear from the patients and families who make Heritage Dental Studio part of their lives.
    Sarah M.
    Sarah M.

    Sophia Bennett

    "From the moment I walked in, I felt at ease. The space is beautiful, the team is warm, and Dr. Mo took the time to explain everything clearly. Easily the best dental experience I have had in Toronto."

      James T.
      James T.

      Sophia Bennett

      "I have always been nervous about the dentist, but the team here made me feel completely comfortable. No rushing, no pressure, just honest and gentle care. Highly recommend."

        Priya K.
        Priya K.

        Sophia Bennett

        "Booking was easy, the office is spotless and modern, and Dr. Roz was fantastic. He explained my options without any pressure and made sure I understood everything. So glad I found this place."

          Daniel R.
          Daniel R.

          Sophia Bennett

          "Brought my whole family here and we all had a great experience. The kids actually enjoyed their visit, which says a lot. Friendly, professional, and genuinely caring."

            Amanda L.
            Amanda L.

            Sophia Bennett

            "The technology here is impressive, but what really stood out was how kind everyone was. They direct billed my insurance and made the whole process stress-free. Five stars."

              Michael S.
              Michael S.

              Sophia Bennett

              "Came in for an emergency and they fit me in quickly and took amazing care of me. Professional, calm, and reassuring when I needed it most. Cannot thank them enough."

              Book Your Visit

              Book Your Appointment Now and Get the Dental Care You Deserve

              Tell us what you need help with. We will make your visit simple, comfortable, and focused on the right care for your smile.

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