Insurance and Payments
Dental insurance is meant to be an aid toward receiving dental care. Many patients mistakenly think that their insurance pays 90%-100% of all dental fees. This is not true! Most plans only pay between 50%-80% of the average total fee. Some pay more, some pay less. The percentage paid is usually determined by how much you or your employer has set up with the insurance company.
You may have noticed that sometimes your dental insurer reimburses you at a lower rate than the dentist’s actual fee. Frequently, insurance companies state that the reimbursement was reduced because your dentist’s fee has exceeded the usual, customary or reasonable fee (or fee guide) used by the company.
A statement as this gives the impression that any fee greater that the amount paid by the insurance company is unreasonable, or above what most dentists in the area charge for a specific service.
Each insurance company uses a different set of fees they consider allowable. Frequently, this data can be three to five years old and these “allowable” fees are set by the insurance company so they can make a net profit of 20%-30%.
Unfortunately, insurance companies imply that your dentist is “overcharging” rather than say they are underpaying or that benefits are too low. In general the less expensive the policy, the lower the fees for reimbursement.
Dental insurance is intended to cover some, but not all of the cost of your dental care. Most plans include co-insurance provisions, a deductible, and certain other expenses that must be paid by the patient at the time of services. Reimbursement amounts are not, and never have been, a guideline for quality care.
We can electronically submit most insurance claims for you. Please bring your insurance plan information with you on your first visit. We will work with you to ensure that you receive the maximum benefits to which you are entitled.
We are a fee-for-service dental provider. Payment is due in full at the time services are rendered. We accept cash, Visa, MasterCard, and Interac direct payments for goods and services. If you have dental insurance, we will be glad to submit your insurance claim electronically, whereby you will be reimbursed directly by your insurance carrier, usually within five business days.
We accept cash, Visa, MasterCard, and Interac direct payments.
Medicard offers a simple and affordable way to finance your medical care and allows you to immediately acquire the care you desire.
Apply online @ www.medicard.com