Some dental insurance benefits are changing rapidly, with many reductions in coverage.
Benefit coverage is a contract between a patient, the insurance company and your employer – not with the dentist.
Dental insurance companies do not inform dental offices of policy changes.
We suggest that you get updated information from your insurance company before making your dental appointments.
As a courtesy to our patients, we are happy to help you understand your insurance coverage.
Dental benefits may not cover 100% of your dentistry.
Coverage is being reduced drastically. This means that many necessary treatments may no longer be covered by your plan.
We encourage our patients to be familiar with their dental plan in order to eliminate disappointments with payment and reimbursement.
Some companies offer 100% coverage of 1994 fees – or less. We are charging current fees set by Ontario Dental Association which are higher than the average dental plan.
Our fees are based on our clinical expertise, the quality of care and materials provided.
If you have any questions regarding your coverage, we recommend that you call your insurace company. We would like you to avoid the disappointment of proceeding with the necessary treatment that the dentist has recommended, because you assume that is covered. If you later find out that your plan has changed, or that the treatment is no longer covered, you will be unhappy.
We are happy to offer our patients a pre-estimate of treatment fees, which can be sent to your insurance company for confirmation of your coverage. This will enable you to plan your finances, before commencing with treatment. We are pleased to discuss fees and payment options with you.
You need to be aware that insurance companies will sometimes send back approvals with a request for cheaper, alternative treatment plans. Our office is happy to discuss any alternatives and choices with you prior to treatment.
Some employers are offering their employees dental benefit programs which provide minimal coverage and limit the patient’s choice of a dentist and covered treatment.
Our team members are qualified to help you, if you have any questions.