Dental Emergency Costs in BC: Insurance and CDCP Coverage
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Wondering how an urgent dental visit is covered? Here is how private insurance and CDCP may apply, and what to ask before your visit.
An urgent dental problem is hard enough without worrying about the bill. Here is how coverage may work, so you can focus on getting care.
Start with the care, then sort out coverage
If you are in pain or have injured a tooth, call first. Our team can explain what is likely to be covered once we see you.
How private insurance may apply
Many extended health plans cover a portion of emergency exams, x-rays, and repairs. Coverage depends on your plan, annual maximums, and waiting periods. Our post on how CDCP and private insurance fit together explains how the two can work side by side.
How CDCP may apply
The Canadian Dental Care Plan covers many common services for eligible patients, and some emergency treatments may fall within it. Your portion depends on your income. See how CDCP cost sharing works for details.
Questions to ask before treatment
- Is this service covered under my plan?
- Do I have an annual maximum remaining?
- Is pre-approval needed?
- Does the office bill directly? Read about direct billing to Sun Life for CDCP.
Check your eligibility
Not sure you are enrolled? Our guide to checking your CDCP eligibility walks you through it. For general information, visit our dental insurance and CDCP coverage page.
Coverage varies by plan, so please confirm your own benefits.