Thinking of going to the dentist? Find out how much you need to pay. It’s simple.

Did you know that dentists follow a fee guide? If you don’t, you’re not alone. Only 30% of Torontonians know that. The Ontario Dental Association (ODA) has set this guide for all dentists to follow. The fee guide document isn’t the easiest to follow, so we broke it down for you.

Checkup and Cleaning Costs

First, check your dental coverage for checkup and cleaning in your insurance plan. As you can see from the table below, you can save significant amount of money if you have dental coverage. We will explain these costs further below.

Dental Coverage No Insurance 60% 70% 80% 90% 100%
Co-payment* $454 – $552 $182 – $221 $136 – $166 $91 – $110 $45 – $55 $0

*Co-payment is the portion of the total costs that you have to pay out of your pocket. For example, if you have 90% coverage, you need to pay $45 – $55 out of your pocket, and your insurance pays for the rest.

When you go for a full checkup and cleaning, you’ll likely need to do 5 procedures: complete oral exam, x-rays, cleaning, polishing, and floride. Each procedure has a price range. For example, with cleaning, the range is between $165 and $220. If you haven’t received a cleaning in a long time, you’ll need to pay a higher amount, because it will take a longer time for the hygienist to completely clean your teeth. (All the more reason to go every 6 months!) There is one way you can save though. If you have had X-rays taken within the past 18 months, you can request your X-rays to be transferred from your old dentist to your new dentist.

How much do you need to pay upfront?

If your dental office has direct billing with your insurance, it will bill the insurance directly, and you only need to pay your co-payment. If your dental office does not have direct billing, you will need to pay the total costs up front ($454 – $552), and your insurance will reimburse you the amount that you’re covered for.

Scenario – If you have 90% coverage:
Direct Billing – You only pay $45 – $55 upfront.

No Direct Billing – You need to pay $454 – $552 upfront, and you will get $409 – $497 back from your insurance usually around 2-5 business days later.

Costs of Other Procedures

The costs for other procedures are also listed in the fee guide. For example, a tooth extraction will cost about $141 or more. Given that dental cases differ widely from person to person, we highly suggest that you ask your dentist specifically how much it will cost you. Then, you can ask your insurance how much you’re covered for the specific procedure.


Hope this guide has helped you understand how much you need to pay. We strive to create more transparency around insurance and costs, so if you have any other questions, let us know!


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If you are looking for a dentist now, Opencare is a great way to find a caring dentist that does direct billing! We also reward Opencare patients with a $50 gift card when they visit a new dentist. We do this because our mission is to encourage everyone to be more proactive about their health.

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How much you need to pay + Opencare $50 gift card

Dental Coverage No Insurance 60% 70% 80% 90% 100%
Co-payment $454 – $552 $182 – $221 $136 – $166 $91 – $110 $45 – $55 $0
Co-payment – Opencare $50 gift card $404 – $502 $132 – $171 $86 – $116 $41 – $60 $0 – $5 $0