Financial policy

Recommended treatment
I recommend treatment options based on each patient’s individual needs, following their diagnoses and the highest standards of care. These options may or may not match your insurance coverage. I believe that treatment decisions are best made by you and your surgeon – not your insurance company. That said, we will make every effort to schedule treatment and submit claims to match your insurance plan’s requirements.

Our Payment Policy
Payment for treatment is your responsibility and accounts are due within 30 days. This allows you time to receive your benefit from your Insurance Carrier. We accept Visa, Master Card, Debit, cheque, cash and insurance cheques that have been signed on the back. For your convenience we also accept post-dated cheques, and can make arrangements for post dated Visa & Master Card payments.

Our office policy is not to accept assignment of benefits as payment for accounts. That is, we do not accept payment directly from your insurance carrier. The particular plan, which you have, is a contract between you and your insurance company. Your insurance carrier will reimburse you for whatever your plan covers according to the limitations in your contract – there are many different plans, which may vary in coverage and reimbursement. We will provide you with a Standard Ontario Dental Association Claim Form, or submit the claim electronically on your behalf, so that you may be reimbursed to the extent of your coverage.

Dental Insurance
Dental insurance is a benefit provided to employees or retirees and their families by a private or public employer. It is a contract between the carrier, the insured (you) and the employer or plan sponsor; we are not a party to this contract. The carrier is responsible to the insured and the insured is responsible for payment to us. An employer chooses a benefit “plan” balancing the cost of the plan versus the coverage it provides. It is intended as an aid toward affording important dental treatment, not necessarily to fully pay for all of it.

How Much Dental Insurance Pays
Dental insurance has its own terminology, less than easy to decipher. The only reliable way to determine exactly what a particular plan will pay for a given procedure is via a request for “Predetermination of Benefits (PreD)” - our office will gladly request one for all or part of your recommended treatment plan so that you may be advised of your insurance benefit before treatment begins.

We appreciate your understanding in these matters. If you have any questions or concerns, please do not hesitate to call.