Insurance, CDCP and financing | Vernon, Kelowna, Lake Country
Direct insurance billing, CDCP and denture financing
Paying for new dentures should not be a guessing game. Kasper Denture Clinic bills your insurance directly, is a registered Canadian Dental Care Plan provider, and offers denture financing through iFinance and Dentalcard at our Vernon, Kelowna and Lake Country clinics. You get a written treatment plan with your costs at a free consultation, before anything starts.
Family run since 1974 | CDCP provider | No referral needed
Private insurance
We bill your insurance directly
Many clinics ask you to pay the full bill and wait for your insurer to pay you back. We take insurance assignment instead. We send the claim to your insurer, they pay us their share directly, and you only pay the part your plan does not cover.
Before treatment starts we can send your written treatment plan to your insurer for a predetermination, also called pre-approval. Your insurer replies in writing with what they will pay toward your dentures, relines or repairs, so you know your share before you commit.
We work with all insurance plans, whether your coverage comes through work, a spouse, a pension or a plan you pay for yourself. For a plain-language breakdown of coinsurance, annual maximums and replacement limits, read how dentures are covered by insurance in BC.
Canadian Dental Care Plan
CDCP dentures at our clinics
We are a registered Canadian Dental Care Plan provider at our Vernon, Kelowna and Lake Country clinics, and we bill the plan directly. For people who qualify, CDCP covers complete and partial dentures, immediate dentures, relines, rebases and repairs.
Some services, including partial and immediate dentures, need approval from the plan before work begins. We send that request for you and start once it comes back.
CDCP coverage does not renew on its own. Each benefit year runs July 1 to June 30, and if you miss the spring renewal your coverage ends on June 30. We confirm your coverage is active before treatment so you are not caught partway through. Our guide to CDCP dentures and the yearly renewal explains who qualifies, and the Government of Canada CDCP page is the place to apply or renew.
Financing
Denture financing with iFinance and Dentalcard
For larger treatment such as All-on-X fixed implant teeth, snap-in implant dentures or a full upper and lower set, denture financing lets you spread the cost into monthly payments. Financing is arranged through iFinance and Dentalcard, two third-party lenders that work with dental and denture clinics.
The lender reviews your application, decides on approval and sets the terms, so we cannot promise approval or a rate. Our team explains how to apply and helps you line the financing up with your written treatment plan, so the timing works with your appointments.
Financing can also cover the part of your treatment that insurance or CDCP does not pay, such as surgeon fees for implants or the balance after your plan reaches its annual maximum.
Step by step
How paying for your dentures works
Free consultation
Jason examines your mouth and current dentures, talks through options and gives you a written treatment plan with costs. We check your insurance or CDCP coverage at the same visit.
Pre-approval
We send your treatment plan to your insurer or to CDCP so they confirm in writing what they will pay before work starts.
Financing if you need it
If there is a balance, you can apply for monthly payments through iFinance or Dentalcard. You decide when you are ready.
Treatment and direct billing
We make your dentures in our Vernon lab and bill your insurer or CDCP directly. You only pay your share.
Free consultations
Free consultations with a written plan
Consultations are free. If you go ahead with treatment, the consultation is billed through your insurance as part of your treatment plan. If you decide not to go ahead, there is no charge.
You leave with a written treatment plan and costs that you can take home, compare with your coverage and talk over with family before you decide. Book a free denture consultation at whichever clinic is closest.
What affects your cost
What changes how much you pay
- The type of denture, from a single reline or repair to full dentures, partials or implant dentures
- The number of implants and the surgeon’s fees, for snap-in implant dentures and All-on-X
- Your plan’s coinsurance and annual maximum, which set how much your insurer pays each year
- Replacement limits, since many plans only pay for new dentures every few years
- Your CDCP income level, which sets whether the plan pays all or part of its set fee
Every one of these shows up in your written treatment plan, so you can see your costs and your coverage side by side before treatment starts.
Reviews
What our patients say
No. 1 Denture Clinic in Vernon. They should be 100 stars not 5. Don’t call anyone or go to anyone else till you have been to Kasper Denture Clinic.Darlene T.
The receptionists are the best and of course Jason is amazing and so talented!Bee B.
Easy to book an appointment, good dentures and nice people.Charlie H.
Questions
Insurance, CDCP and financing FAQs
Do you bill insurance directly?
Yes. We take insurance assignment, so we send the claim to your insurer and they pay us their share. You only pay the portion your plan does not cover.
Can I finance dentures?
Yes. Denture financing is available through iFinance and Dentalcard, so you can spread the cost of dentures, implant dentures or All-on-X into monthly payments. The lender decides approval and terms.
Is the consultation free?
Yes. If you go ahead with treatment, the consultation is billed through your insurance as part of your treatment plan. If you do not, there is no charge.
Do you take CDCP?
Yes. We are a registered Canadian Dental Care Plan provider at all three clinics and bill the plan directly. Make sure your coverage has been renewed for the current benefit year.
Can I use CDCP and private insurance together?
No. CDCP is only for people with no access to private dental insurance, including a plan through work, a spouse or a pension, even one you have never used.
Will you send my treatment plan to my insurer first?
Yes. We send a predetermination so your insurer tells you in writing what they will pay before treatment starts.
What should I bring to my appointment?
Your insurance details or CDCP member number, your current dentures if you have them, and a list of any medications.
Do I need a referral?
No. You can book directly with us at our Vernon, Kelowna or Lake Country clinic.
Where to go
Ask about your coverage at any of our three clinics
Related services
Find out what your coverage pays
Book a free consultation and we will check your insurance or CDCP coverage, give you a written plan and go over financing options. No referral needed.