Most insurance billed directly.
You pay the part your plan does not cover, and you know that figure before anything begins.
Dental care is not covered by OHIP, and Ontario has no public fee list for patients. So there is no figure to look up before you come in — we write yours down instead.
Four situations.
- 01
You have a plan
We send the claim from the office. You pay only the portion your plan does not cover, and you are told that figure before treatment starts.
- 02
You have no plan
You get the whole cost in writing first, the same as everyone else. Take it home and think about it; nobody asks you to decide in the chair. What has to be done now and what can wait is part of that sheet.
- 03
You are on the Canadian Dental Care Plan
Claims go to Sun Life from the office, so you pay only your co-payment and anything the plan does not cover. Say you are a member when you book, and bring your member ID. Who qualifies, and what the plan pays for.
- 04
Something is found mid-treatment
We stop, put the X-ray where you can see it, and give you a new figure. Nothing is added while you are in the chair.
What is settled on the day.
Ask us to check your plan before you agree to anything. It takes a phone call, and it is the difference between an estimate and a guess.
- The part your plan does not cover is paid at the end of each visit.
- For a larger plan of treatment, ask us to send your insurer a predetermination first. They reply with what they will pay before any work begins.
- Plans have yearly maximums, waiting periods and limits on how often they pay for the same thing. Some pay the office directly; others pay you back after you have paid us.
- Nothing is done on the day that was not on the sheet you agreed to.