Three ways Canadians pay
Dental care is mostly outside provincial health plans in Canada, so most people pay through one of three routes: the federal Canadian Dental Care Plan (CDCP), the Non-Insured Health Benefits (NIHB) program, or private insurance. Many people use a mix, and almost everyone can benefit from understanding which one applies to them.
CDCP — for those without private coverage
The CDCP helps Canadian residents with an adjusted family net income under $90,000 who do not have access to private dental insurance. It covers exams, cleanings, X-rays, fillings, extractions and more, with a co-payment of 0%, 40% or 60% based on income. You apply through Sun Life and choose a participating clinic.
NIHB — for First Nations and Inuit
The Non-Insured Health Benefits program provides dental coverage (among other health benefits) to eligible First Nations and Inuit people. It covers a defined list of services, some needing pre-approval, and many clinics bill NIHB directly so there is little or no upfront cost.
Private insurance
Private plans come through an employer or are bought individually. A common structure covers basic services (exams, cleanings, fillings) at 70–100%, major work (crowns, bridges) at around 50%, and caps payouts at an annual maximum — often CA$1,000 to CA$2,000. Most Canadian clinics offer direct billing, so the insurer pays its share and you cover the rest at the desk.
How direct billing works
Direct billing means the clinic submits the claim for you and collects only your portion at checkout — no paperwork, no waiting for a reimbursement cheque. When you book through SmileMatch you can note your coverage up front, and partner clinics confirm what is covered and what you will owe before your appointment.