Manulife Dentist in Mississauga
Book an Appointment Call 905-567-6891We direct bill Manulife, so you pay only your share. Open 7 days, including evenings and Sundays.
River Run Dental Centre Accepts Manulife Dental Plans
Looking for a Manulife dentist in Mississauga? At River Run Dental Centre, we accept dental plans from Manulife and we direct bill Manulife for most plans, so you usually only pay your share at the visit.
Manulife is one of Canada’s largest insurers. Most patients have Manulife dental coverage through their employer, but Manulife also sells individual health and dental plans to people who are self-employed, retired or between jobs.
We’re a family dental clinic at 11-1525 Bristol Rd W, near Creditview Rd, open 7 days a week, including weekday evenings and Sundays. New and existing patients are welcome.
Direct Billing to Manulife
As a dentist that accepts Manulife, we send your claim electronically at your appointment. The insurer replies within minutes with what your plan pays, and we tell you the balance before you leave.
- Bring your plan card, or your plan and ID numbers.
- If you have a second plan, such as a spouse’s, bring those details too. We can bill both.
- A few plans pay you rather than the clinic. We still submit the claim for you; you pay at the visit and your insurer reimburses you.
Manulife Members: Check Your Coverage and Claims Online
We submit your claim for you at your visit, so there’s nothing to file. Manulife members can follow everything in the Manulife Mobile app or the plan member site, signed in with a Manulife ID.
- Your most recent claims appear on the home screen, each with a progress bar that shows where it is in the review.
- Your benefits card lives in the app, and you can add it to your digital wallet.
- For larger work, Manulife notes that your dentist “knows what we need, and most can submit an estimate directly to us for you” (Manulife group benefits claims). We send that estimate before treatment.
Covered by a spouse’s plan too? Once coordination of benefits is set up, Manulife says “a dental office may submit a claim to your benefits plan first, and then to your spouse’s plan” (Manulife group benefits FAQ). We do both for you.
Manulife at a Glance
The details Manulife members ask us about most, in one place:
| What to know | |
|---|---|
| Workplace plan questions | 1-800-268-6195, or your plan administrator at work (Manulife group benefits FAQ) |
| Remaining balance | Plan member site, under Coverage & balances |
| Children on your plan | Under 21, or under 25 if a full-time student (proof required) |
| Reimbursement to you | Direct deposit, usually 1 to 2 business days after the claim is processed |
| No employer plan | Flexcare personal plans, or FollowMe within 90 days of losing work benefits |
Why Manulife May Pay Less Than the Full Bill
A common question is why a Manulife plan didn’t cover the whole amount. Manulife explains that “The amount we pay for a claim may be determined, in part, by our fee guide” (Manulife group benefits FAQ). Dental associations publish fee guides each year, and Manulife notes its guide may differ from the one your dentist uses.
On top of that, your plan pays its own percentage and has a yearly maximum. We send the claim before you leave and tell you the balance at checkout. For larger work, we send a predetermination first, so the gap is clear before treatment starts.
Checking Your Manulife Dental Balance and Family Coverage
To see what’s left this year, Manulife says to “Select Coverage & balances on the homepage” of the plan member site, where you’ll find Health, Dental, Drugs and spending accounts.
For families, Manulife’s general rule is that children under 21 can be covered, or under 25 if they’re full-time students. If your child is turning 21, check with your plan administrator before their next cleaning. If part of a claim is paid to you, Manulife says direct deposit usually arrives within 1 to 2 business days, but you can only set it up on the plan member site.
No Employer Plan? Manulife Flexcare and FollowMe
Manulife also sells personal plans. Flexcare is for people without employer coverage, or whose work plan doesn’t cover enough, with “seven plans to choose from” (Manulife Flexcare).
If you’re leaving a job, FollowMe is designed for you. Manulife says coverage is “guaranteed with no medical questions asked when you apply and pay your first premium within 90 days of your employee benefits ending” (Manulife FollowMe). Manulife also says you may be able to convert group dental coverage to individual coverage.
What Manulife Dental Coverage Usually Includes
Your Manulife dental coverage depends on the plan your employer or group chose, so two people with the same insurer can have very different benefits. Most plans are split into three levels:
Basic care
Exams, cleanings, X-rays, fillings, extractions and often root canals, usually covered at the highest rate.
Major care
crowns, bridges and dentures, usually covered at a lower rate.
Orthodontics
Braces and aligners, included in some plans with a separate lifetime maximum.
Most plans also have a yearly maximum and limits on how often some services are covered, such as a cleaning every six or nine months. We check these before treatment so there are no surprises.
Are Braces and Dental Implants Covered?
It depends on your plan. Some plans include orthodontic coverage for braces and Invisalign, often with a lifetime maximum and sometimes only for children. Dental implants are covered by a growing number of plans, usually as major care, while others cover a bridge or denture instead.
Before larger treatment like braces or implants, we send a predetermination to your insurer. It shows exactly what your plan will pay, so you can decide with the real numbers in front of you.
Making a Manulife Dental Claim
You don’t need to make a dental claim yourself: we submit it electronically at your visit. Even if your plan pays you rather than the clinic, we still send the claim for you. Afterwards, you can see the claim and what your plan paid in the Manulife Mobile app or member website.
Keep your receipts, and check that your personal and dependant details are up to date with your insurer. Most claim problems come from a changed address, a new dependant or a second plan that hasn’t been set up yet.
How Common Treatments Are Usually Covered
Every Manulife plan is different, but most follow the same pattern. This is how common treatments are usually covered, so you know what to ask about:
| Treatment | Usual coverage | Good to know |
|---|---|---|
| Checkups and teeth cleaning | Basic care, usually the highest rate | Often limited to every 6 or 9 months |
| Fillings | Basic care | Tooth-coloured fillings on back teeth may be paid at the silver filling rate |
| Root canal | Basic or major, depending on the plan | A crown afterwards is usually major care |
| Extractions and wisdom teeth removal | Basic care | Impacted teeth may need X-rays sent with the claim |
| Gum treatment and scaling | Basic care | Often limited by time units each year |
| Crowns and bridges | Major care, often a lower rate | Some plans limit replacement to every 5 years |
| Dentures | Major care | Relines and repairs are usually covered too |
| Braces and Invisalign | Orthodontics, only if your plan includes it | Usually a separate lifetime maximum |
| Dental implants | Major care on some plans | Others pay the cost of a bridge or denture instead |
| Teeth whitening and veneers | Cosmetic, usually not covered | Bonding to repair a broken tooth may be covered |
The exact percentages, limits and waiting periods are in your Manulife dental plan booklet. We check them for you before treatment.
Predeterminations, Claims and Annual Maximums
Predetermination
Before larger work, such as crowns, dentures, implants or braces, we send a Manulife dental predetermination with the treatment plan and X-rays. The insurer replies with what your plan will pay, usually within a couple of weeks, so you know your cost before you commit.
Claims
We submit every claim for you, electronically wherever possible. If one has to go on paper, we complete it and send it to your insurer ourselves.
Annual maximum
Most Manulife plans set a yearly limit on what they pay. It usually resets every January or on your plan’s anniversary date. If you’re close to your maximum, we can plan treatment across two plan years so more of it is covered.
If You Have Two Dental Plans
If you’re covered by Manulife and another plan, such as a spouse’s, the two plans can share the cost. This is called coordination of benefits. Your own plan pays first, then the second plan can pay some or all of what’s left.
For children covered on both parents’ plans, Canadian insurers usually use the birthday rule: the plan of the parent whose birthday comes first in the calendar year pays first. We set this up for you when you bring both sets of plan details.
Finding a Manulife Dentist Near You
Canadian dental plans, including Manulife, generally let you choose any licensed dentist, so you don’t need to find an in-network clinic. If you’re looking for a dentist near you in Mississauga, we’re at 11-1525 Bristol Rd W, near Creditview Rd, open 7 days a week with evening and Sunday hours.
Using Your Manulife Plan at River Run
- Book: call or book online and mention you have Manulife coverage.
- Bring: your plan card, photo ID and any second-plan details.
- Before treatment: we check your coverage and explain any cost that isn’t covered.
- At checkout: we bill your plan directly and you pay only your share.
We also direct bill Canada Life, Green Shield and Blue Cross, along with most other Canadian plans. No coverage for part of your treatment? Ask about our payment plans. You can compare all the plans and programs we accept on our dental insurance and direct billing page.
Helpful Manulife and Dental Benefits Resources
For plan details and claims, go straight to Manulife. These independent guides explain how dental benefits work:
- ManulifeGuide to submitting group benefits claims onlinemanulife.com ↗
- Canadian Life and Health Insurance AssociationConsumer guides to health and dental insuranceclhia.ca ↗
- Canadian Life and Health Insurance AssociationGuide to understanding coordination of benefitsclhia.ca ↗
- Government of CanadaCanadian Dental Care Plancanada.ca ↗
Manulife Dental Coverage in Mississauga: Frequently Asked Questions
Yes, for most of their plans. We send the claim electronically at your visit, and you pay only the portion your plan doesn't cover. A few plans pay you rather than the clinic; we still submit the claim for you and tell you before your visit.
Some plans include orthodontic coverage for braces or Invisalign, often with a lifetime maximum and sometimes only for children. We'll send a predetermination so you know what your plan pays before you start.
Some plans cover part of an implant as major care, while others cover a bridge or denture instead. A predetermination shows exactly what your plan will pay before treatment.
Usually only your share, such as the part your plan pays at a lower rate or anything over your yearly maximum. We explain the amount before treatment.
Most plans cover root canals as basic or major care and crowns as major care, usually at a lower rate. We'll confirm your plan's coverage and send a predetermination for crowns.
Most plans cover complete and partial dentures as major care, often with a limit on how often they're replaced. Relines and repairs are usually covered too.
Usually not. Whitening is cosmetic, so most plans don't pay for it. Your checkup and cleaning before whitening usually are covered.
You don't need to. We submit your Manulife dental claim for you at your visit. You can then check it, and what your plan paid, in the Manulife Mobile app or member website.
Mostly, yes. Individual plans often have lower annual maximums and may have waiting periods for major work like crowns. We'll check your plan's limits and send a predetermination before larger treatment.
Manulife may assess claims using its own fee guide, which can differ from the one your dentist uses. Your plan's percentage and yearly maximum also apply. We tell you your share before you leave.
Often, yes. Manulife's general rule covers full-time students under 25 who aren't married or working full-time, with proof of attendance. Your plan administrator can confirm.
FollowMe accepts you with no medical questions if you apply and pay the first premium within 90 days of your work benefits ending. You may also be able to convert your group coverage.
With direct deposit, usually within 1 to 2 business days after the claim is processed. Direct deposit can only be set up on the Manulife plan member site.
Direct Billing
Ready to Use Your Manulife Coverage?
Book a checkup, cleaning or treatment at our Mississauga dental clinic. Call us at 905-567-6891 and have your plan details handy.
- Manulife plans accepted for new and existing patients
- Open 7 days, including evenings and Sundays
