Carrier guide

Six Carriers, Six Different Hold Music — A Follow-Up Cheat Sheet

Canadian dental offices bill a handful of insurers repeatedly. Each runs a different IVR, a different adjudication clock, and a different escalation path. This guide is what your billing lead wishes was pinned above the phone.

Universal rules (all carriers)

Sun Life

Largest share of Canadian group dental. Private claims: status check after ~32 days. CDCP claims use a separate provider contact centre — calling the number on a patient's old Sun Life card often lands in the wrong queue. See our CDCP guide.

Canada Life

Common in Ontario and Western Canada. IVR depth varies by employer group size. Escalation often requires referencing a prior call ID — ask the rep to note the interaction.

Manulife

High volume for mid-market employer plans. Watch for annual maximum exhaustion on major restorative — status may show "paid" at less than billed without a clear denial letter.

Green Shield

Not-for-profit insurer with distinct plan designs. Pre-determination recommendations differ by employer — always confirm whether predetermination was required for major work.

RBC Insurance

Smaller share but concentrated in certain employer segments. COB with a spouse's plan is a frequent stall — verify primary vs secondary before repeated status calls.

TELUS AdjudiCare

Clearinghouse, not one insurer. Identify the underlying TPA from the group number prefix before dialing. Minimum follow-up window is day 21 (earlier than the day-32 norm for other carriers).

When manual follow-up breaks down

If your open insurance AR spans hundreds of claims across four or more carriers, weekly status calls become a full-time job. That's the gap CollectRx fills: scheduled, carrier-aware follow-up with PHI tokenized before any external AI processing, results routed back to your team for action — not another spreadsheet.

Automate follow-up across all six carriers

CollectRx maintains IVR navigation paths per carrier and enforces Mon–Fri 8am–5pm Eastern calling windows.

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