Insurance & Financing

At Care Dental, we believe you should get more, without ever having to pay more. That’s why we promise never to exceed or charge more than the recommended fee guide delivered to British Columbians each year by the BC Dental Association. While dentists have the freedom to set their fees as they see fit, in many cases charging more, we do not ever exceed the guide.  

Are you on a budget? Us too! That’s why Care Dental provides the convenience of direct billing, sometimes referred to as “assignment of benefits,” for our patients. While you are always responsible for the full fee, this means that instead of paying 100% at check-out and then having to chase the insurance company for your money, we estimate what your insurance will pay and then collect from you any remaining amount. We handle the waiting and the chasing, so you don’t have to, with no interest or administration fees imposed. For more information, please visit our FAQ page.  

Don’t have insurance or dealing with a substantial uninsured patient balance? Considering cosmetic or other non-insured procedures or a treatment plan? While the confidence and improved health you gain from cosmetic surgery or dental work can be priceless, the procedures themselves may not be covered by typical health care plans. With our popular LendCare financing program, your well-being and personal health don’t have to take a backseat to your budget. 

How It Works
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Financing Application Form
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Make your purchase or book your appointment

There is no reason to compromise the quality of healthcare you receive. With pre-approved loans of up to $15,000, payback periods of up to 60 months, and interest rates as low as 0% APR, you can transform upfront costs into manageable ongoing payments. Make today the day; our easy online application can have you approved in minutes. 

The financing option you’ve been searching for is here


Easy online application with quick decisions

No effect on your credit score*

No down payment

*LendCare only performs a soft credit check as part of it’s application process


Can take up to three days for approval

Hard credit check that stays on your credit report

May require down payments or upfront administration fees

Yes! We love new patients! Like our namesake, we truly Care for every patient that comes through the doors at Care Dental.  We are grateful and honoured that you are considering us to be your dental practice! In most circumstances, our Care Director will schedule a new patient exam and hygiene booking for your first visit. This allows our dentist to get a thorough snapshot of your oral health and you to leave with a fresh, clean smile. Following your first booking, we will help you stay on top of your reCare bookings and develop a treatment plan to ensure any issues needing further treatment are taken care of.  Our Care Director can be reached during practice hours at (778) 484-2256 or email [email protected] at any time to get started. We look forward welcoming you to the Care Dental family!

Absolutely.  As a courtesy to our patients, Care Dental works directly with most insurance companies and we do our best to make sure that our patients never pay a dime over the patient portion of their booking. Our Care team will review estimates beforehand to ensure that there are no billing surprises. This allows you to maximize your treatment options and schedule bookings at a pace you are comfortable with.

Due to the privacy policy of insurance providers, we are usually able to confirm the parameters of insurance plans, however, will not be informed how much coverage has been used outside of our dental practice. Therefore, it remains the patient’s responsibility to understand their insurance coverage, limits and co-pay obligations at all times. If you have any questions about your coverage, limits or co-pay obligations, please contact your insurance provider.

To use our direct billing option, Care Dental requires a credit card to be kept on file to cover any residual balances or overages.

Care Dental accepts:  Cash,  Debit,  MasterCard, Visa & financing through LendCare.

Payment is due at the time service is provided.

For pre-payments and deposits only, Care Dental accepts e-transfers to [email protected]. Please make the password:  caredental

Question about direct billing to insurance providers?  Please see the question about direct billing above.

Yes!  At Care Dental, your oral health is our highest priority. The challenge with dental diagnosis is that if left untreated, there is a reasonable chance the issue(s) will continue to get worse and more expensive. We don’t want our patients in any pain but, life happens, and sometimes finances can be a deterrent in getting the proper care. That’s why we have partnered with a third party health financing organization called LendCare. Financing available from 0% on approved credit! For more information and to start the application process, please call us at 778-484-2256 and ask to speak with a Patient Services Coordinator or click on the green button above.

Completing an application takes 3 minutes, requires very basic information and will not affect your credit rating.

Care Dental considers your booking important and has reserved the time for your booking exclusively for you. We feel that our patient’s time is valuable. Except for emergency treatment for another patient, you can expect us to be prompt.  We, of course, do appreciate the same courtesy.  We are looking forward to seeing your smiling face!

Rebooking with adequate notice is never a problem. However,  in order to best serve our patients, we require 2 business days notice to reschedule or cancel an existing dental booking.  3 business days are required to reschedule or cancel bookings 2 hours or longer. In lieu of notice, a $105 fee may be applied to your visit.

To cancel or reschedule a booking, you must phone the practice during practice hours. Cancellation or rebooking requests by text message or voice message will not be accepted.

Fees of this nature are 100% donated to CareKids, a Care Dental community initiative which provides dental care to local children in need.

To reschedule, please call your Care Director at 778-484-2256 during business hours.

We look forward to caring for you!

Great question! The short answer is NO. At Care Dental we do offer an elevated standard of care but this does NOT mean that we charge more. In fact, in British Columbia dental fees are set by the British Columbia Dental Association.  For more information, please feel free to call our Care Director at (778) 484-2256 for a personalized conversation. At Care Dental we strive to think through every aspect of the patient experience to ensure we are the dentist you will look forward to visiting. This means expert dentists, cutting edge, high-tech equipment and extraordinary hospitality but it does not mean higher fees. At Care Dental you get more, but don’t pay more.

Care Dental absolutely accepts patients who are covered by the Ministry. We value all our patients and hope that you will choose us to be your care provider.  Unfortunately, we are unable to offer direct billing to the Ministry. That means that patients with Ministry coverage are responsible to pay for all dental services in full at the time of treatment. Care Dental will provide claim forms that include the treatment codes so that patients can easily and seamlessly submit claims on their own behalf.

Please feel free to contact us via email at [email protected] or by telephone at (778) 484-2256. Every question is a good one and we appreciate the opportunity to give you an answer.

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