Clause I
The plan pays 70
For examinations, x-rays, and preventive scaling & polishing, Desjardins covers 70% of the Provincial Dental Fee Guide rate. That part is true at any dentist in the city.
U of T St. George · UTSU Health & Dental Plan
Full-time St. George undergrads (and Toronto School of Theology students) are auto-enrolled in the UTSU Health & Dental Plan. Its contribution plus our Studentcare network discount covers the exam and cleaning — billed directly, no upfront payment, $0 out of pocket.
In pain today? Same-day emergency slots — just call.- Insurer
- Desjardins Insurance
- Annual max
- $800 / policy year
- Policy year
- September 1 – August 31
- Billing
- Direct, with your card
Rated 4.7 on Google, 270 reviews · three dentists under one roof · at Yonge & Dundas
§ 1 · The fine print you never read
You never signed up for a dental plan. You have one anyway.
Full-time undergrads at St. George — and Toronto School of Theology students — are auto-enrolled in the UTSU Health & Dental Plan, underwritten by Desjardins Insurance. It runs September 1 – August 31, it carries an $800 annual maximum per policy year, and it is entirely possible to graduate without ever reading it.
Here is what it covers, and what it costs you.
§ 2 · The mechanism
How an exam becomes $0, in three clauses.
Clause II
The network pays 30
We are a Studentcare Dental Network member clinic. Membership adds a 30% discount on those same routine categories — and 70 plus 30 is the entire bill.
Clause III
Nobody fronts money
Your card is the paperwork. We pull your plan, bill Desjardins directly, and combine parental insurance where it helps. You sit, you leave, no claim forms.
Book the $0 exam
Minutes from campus, and open to 8 p.m. on weekdays.
§ 3 · The academic calendar
Your coverage, catalogued like a course calendar.
Reading the credits: violet is what Desjardins Insurance pays; gold is the Studentcare network discount, applied only at member clinics like this one.
Term · September 1 – August 31
Annual maximum · $800 / policy year
DEN-101
Examinations & x-rays
70+ 30= 100% here
DEN-102
Preventive scaling & polishing
70+ 30= 100% here
DEN-110
Basic preventive & oral surgery
Lab tests, extractions, denture cleanings
80+ 20= 100% here
DEN-201
Periodontics
Gum treatments
70+ 20= 90% covered here
DEN-210
Basic restorative
Fillings, root canals, anesthesia
60+ 20= 80% covered here
- Percentages from the UTSU Health & Dental Plan breakdown.
- Network discounts apply to treatments administered by Studentcare Dental Network members.
- Plan details are published by the UTSU; confirm current-year coverage at studentcare.ca.
Direct billing: your card is the only paperwork.
§ 4 · The registrar’s limits
How often you can come, and what else is written in.
Recall schedule
- Recall exams, polishing and fluoride — once per 12 months
- Bitewing x-rays — once per 9 months
- Complete (new-patient) exams — once per 5 years · periodontal scaling up to 2 units per policy year
Provisions
- You’re covered for the insured portion at any dentist — the network discount is what makes this clinic $0
- The plan covers 60–80% of the Provincial Dental Fee Guide rate; we bill Desjardins directly
- Specialist visits are reimbursed at the equivalent General Practitioner fee
- The plan year ends August 31 and the $800 doesn’t roll over — an unused plan is a paid-for cleaning nobody got
Network discounts apply to treatments administered by Studentcare Dental Network members. Plan details are published by the UTSU; confirm current-year coverage at studentcare.ca.
§ 5 · Citations
Marginalia from people who sat in the chair.
- 65+
- combined years of practice
- 3
- dentists under one roof
- 8pm
- close, every weekday
“My favourite place! The dental hygienist, reception and Dr are all amazing. Dr. Lana is fantastic and really cares about all her patients.”
“Incredibly knowledgeable, friendly, and they do what they can to make your visit as comfortable as possible. The utmost professionalism no matter the situation.”
“The team was very flexible and made me feel comfortable through all procedures. It is also very affordable compared to other dentists in Ontario.”
§ 6 · Office hours
The questions students actually ask.
Anything unanswered here, the desk answers on the phone, while you’re still on the line.
- Do I pay anything up front?
- No. We bill Desjardins directly with your card, and combine parental insurance where it helps. For exams and cleanings, the plan and the network discount meet at 100%, so there is no remainder to split.
- Am I actually enrolled?
- If you are a full-time undergrad at St. George, or a Toronto School of Theology student, then yes: enrolment in the UTSU Health & Dental Plan is automatic. Bring your card and we pull the plan details for you.
- Could I use the plan at any dentist?
- For the insured portion, yes. The 20–30% network discount only applies at Studentcare Dental Network member clinics, and that discount is what turns a covered exam into a $0 exam here.
- What about work beyond exams?
- The plan covers 60–80% of the Provincial Dental Fee Guide rate depending on category, up to the $800 annual maximum. Specialist visits are reimbursed at the equivalent General Practitioner fee, and you will know your numbers before anything begins.
- When would I even go?
- Between classes works. We are minutes from campus at Yonge & Dundas, open to 8 p.m. every weekday, and treatment can be split across visits when exams loom.
Book a visit
Bring your card. The desk does the rest.
We pull the UTSU plan, bill Desjardins directly, and combine parental insurance where it helps. One subway stop from St. George, open to 8 p.m. on weekdays.