Dental Insurance in Laval: How It Works

October 24, 2026

In Laval, dental insurance generally works through three possible paths: private insurance (individual or group coverage through work), the Canadian Dental Care Plan (CDCP), or certain Quebec public programs like RAMQ coverage for young children. Coverage always depends on the plan, the specific service, and the date of treatment. At Centre dentaire Champfleury, in Sainte-Rose, the team checks your eligibility before treatment, whether it's a routine exam, cosmetic dentistry, or dental implants.

The three ways to be covered in Laval

For a family or adult living in Laval, Sainte-Rose, Vimont, Auteuil, or Fabreville, dental coverage usually comes through one of these channels:

Private insurance, offered by an employer or purchased individually. Each plan has its own reimbursement percentages, annual maximums, and exclusions.
The Canadian Dental Care Plan (CDCP), a federal program for people who don't have access to private insurance and who meet the eligibility criteria set by Service Canada.
Quebec public programs, such as the coverage offered by RAMQ for certain treatments for young children, or specific measures for particular groups.

None of these plans work exactly the same way. Before assuming you're covered, it's always best to confirm your situation directly with the relevant program or with the clinic.

How to check your coverage before an appointment

The best way to know what's covered is to ask before treatment, not after you've received the bill. At the clinic, this is usually done in three steps:

You provide your insurance card or policy number when booking your appointment.
The administrative team checks the main points of your coverage (type of treatment, reimbursement percentage, remaining annual maximum).
For a more significant treatment, such as a crown, an implant, or orthodontic treatment, a written estimate may be requested before proceeding.

This check doesn't replace your insurance contract. It gives you a general idea, but the final reimbursement decision always rests with your insurer or the applicable public program.

What's generally covered, and what isn't

Basic care, such as exams, X-rays, cleanings, and certain fillings, is often the first to be covered by private insurance or a public program, depending on the applicable conditions.

More advanced treatments have variable coverage from one plan to another:

crowns, including CEREC crowns placed in a single visit;
dental implants and the surgery that goes with them;
orthodontics, including Invisalign aligners;
cosmetic dentistry, which is rarely covered by public plans and sometimes only partially by private insurance.

Since no price can be quoted without an exam, what makes the final cost of a treatment vary is the condition of your mouth, the extent of the work needed, the type of restoration chosen, and the preparation required before the procedure. A personalized quote, done after an exam, remains the most reliable way to know what you'll owe once insurance is applied.

What to do if you don't have insurance

Not having private insurance doesn't mean no options exist. It's worth checking your eligibility for the CDCP directly with Service Canada, since this program is specifically meant for people without private coverage who meet the program's criteria.

For families with young children, certain treatments may be covered by RAMQ depending on the child's age and the type of treatment, which is best confirmed directly with the program.

In any case, the clinic can help you understand your payment options and prioritize care based on your actual needs, as assessed during the exam. To better understand your options before an appointment, you can also check out our dental tips.

How it works at Centre dentaire Champfleury

Centre dentaire Champfleury is located at 338 Boulevard Curé-Labelle, Suite G, in Laval, in the Sainte-Rose area. The entrance is wheelchair accessible, and the clinic is open Monday to Thursday from 7 a.m. to 4 p.m., as well as Friday from 8 a.m. to 3 p.m., closed on weekends. You can reach the team at 450 937-3100 to ask questions about coverage before booking an appointment.

The clinic was founded by Dr. Vu, who opened her first practice in 1998 before it became Centre dentaire Champfleury in 2008. The services offered include general and family dentistry, Invisalign, implantology, oral surgery, TMJ care, single-visit CEREC crowns, cosmetic dentistry, as well as technologies such as digital and 3D radiology and laser treatment.

Frequently asked questions

How do I apply for dental coverage in Canada?

According to Centre dentaire Champfleury, applying for the Canadian Dental Care Plan is done directly through Service Canada, which assesses your eligibility based on specific criteria, such as not having private insurance. It's best to check the most up-to-date details and exact steps directly on the program's official website before booking an appointment.

Who qualifies for public dental coverage?

In Quebec, certain young children may have access to treatments covered by RAMQ depending on their age and the type of treatment. Other people may be eligible for the Canadian Dental Care Plan if they meet the applicable federal criteria, which should be confirmed with the relevant program.

Is dental care covered 100%?

No, as Centre dentaire Champfleury explains, no insurance plan or program automatically covers all costs. The reimbursement percentage depends on the plan, the type of treatment, and the applicable maximums, which is best checked before treatment rather than after.

What should I do if I can't afford to fix my teeth?

The first step is to check your eligibility for public programs such as the Canadian Dental Care Plan or RAMQ, depending on your situation. At the clinic, a step-by-step treatment plan can also be discussed based on your care priorities, once the exam has been done.

How much does a dental consultation cost?

The cost of a consultation varies depending on the exam required, any necessary X-rays, and your insurance coverage, if applicable. Centre dentaire Champfleury, in Laval, can check your coverage before the appointment and provide you with an estimate once the exam is complete.