Insurance and Coverage

We always charge only the BC Fee Guide for general dentists and direct bill all major insurance companies.

Direct billing
BC Fee Guide pricing
CDCP provider

4.91100+ Google reviews

Direct billingCDCP provider

Same-day emergency careDirect insurance billingCDCP provider1100+ five-star reviewsAll-digital workflowSame-day CEREC crowns20+ years in SurreyLocally owned · Female-ledOpen SaturdaysSame-day emergency careDirect insurance billingCDCP provider1100+ five-star reviewsAll-digital workflowSame-day CEREC crowns20+ years in SurreyLocally owned · Female-ledOpen Saturdays

Direct billing

We Handle the Paperwork

Green Apple Dental offers direct billing to insurance companies, so you can focus on your oral health while we handle the paperwork. We work with various providers to minimize out-of-pocket costs and maximize your coverage.

Our team will work closely with you to understand your coverage, explain what’s included, and make sure you’re maximizing your benefits. We can verify your insurance, provide cost estimates and help schedule treatment around your plan’s limits and timelines.

Insurers we direct bill

Alberta Blue Cross
Benefits Trust
Canadian Dental Care Plan (CDCP)
Canada Life
Chamber of Commerce
Claimsecure
Co-operators
D.A. Townley
Desjardins Financial Security
Empire Life
Equitable Life
First Canadian Health (NIHB)
Great West Life
Green Shield Canada
Industrial Alliance
Manulife
Maritime Life
MEBS Multi Employer Benefit Service
Pacific Blue Cross
Pacific First
Quickcard
RBC Insurance
RWAM Insurance
Standard Life
Teamster Insurance
Waterfront Employers of BC

Better understanding coverage

Know Your Plan’s Limits

Dental insurance helps cover routine and specialized care. Understanding its limitations helps you avoid surprises.

Annual Maximums

Most plans have an annual maximum, the most the insurer will pay toward your care each year. Once you reach it, additional costs are your responsibility. The cap can range from a few hundred to a few thousand dollars.

Waiting Periods

Many policies have waiting periods for certain procedures, especially major treatments like crowns or braces, from a few months to a year.

Coverage Levels

Preventive care (cleanings, exams, X-rays) is typically covered at 100%, basic care (fillings, simple extractions) often around 70–80%, and major procedures (crowns, bridges, dentures) around 50% or less.

Excluded Procedures

Cosmetic treatments like whitening or veneers are generally not covered. Advanced treatments like implants or orthodontics may have limited coverage or none.

Pre-existing Conditions

Some plans do not cover conditions that existed before you enrolled, such as missing teeth or ongoing orthodontic treatment.

Frequency Limits

Even preventive care may be limited, for example two cleanings per year or one set of X-rays every 1–2 years.

Orthodontic Coverage

Braces and aligners are not always included. When they are, there are often separate lifetime maximums, longer waiting periods and age limits.

Claim Denials

Insurers occasionally deny claims, for example when a procedure is judged not medically necessary or needs pre-authorization first.

Questions about coverage?

We’ll Check Your Coverage For You

Bring your insurance details to your visit, or call either clinic and our team will help.

Book an Appointment Call 604-597-1311

Patient reviews

What Our Patients Say

0+ five-star Google reviews · 4.9 average

“I wasn’t sure what to expect. But I was very pleased with all my care. The staff are amazing”

Nancy Smith

“Been going here for twelve years. They are the best”

Jenn C.

“Took care of my six year old daughter so gently, she told me it’s the only place she wants to go”

Dianne Smith

“Honest, thorough and never pushy. Exactly what I want from a family dentist.”

Surrey Patient

“They fit me in the same day when I broke a tooth. Painless and fast.”

Fleetwood Family

“Direct billing made it easy and the whole team is lovely.”

Newton Patient