Professional fees vary with the time spent and with complexity of treatment. We will inform you of the estimated fees before treatment begins. We provide a written outline of significant treatment with important factors to consider and then request your approval prior to starting treatment. We encourage you to ask questions and become familiar with the estimated costs for your treatment.
In order to prevent any misunderstanding concerning fees, we would like you to know that our professional services are charged directly to the patient and that patients are personally responsible for payment of bills. We will accept payment by cash, personal cheque, Visa, Mastercard or Interac at the time treatment is performed. Interest is charged on all overdue accounts. Other than for examinations, initial records and outlining of treatment, payment plans are available through 3rd party financing. A discount of 3% is available if the estimated treatment fee is paid prior to scheduling treatment appointments.
We do want you to realize that most ‘insurance’ plans only pay a portion of the costs for tooth replacement or rebuilding of broken teeth. Insurance companies pay according to their devised fee schedule of covered procedures which means that generally you will be reimbursed for some or most but rarely all of the actual cost. It is possible that some procedures will not be covered at all. Dental insurance is a great benefit but it is not designed to cover all of your costs. In most cases, regardless of the type of treatment, you should be successful obtaining the maximum insurance benefit allowed by your insurance in any year. Please remember to bring information regarding your dental coverage.
Dental Assistance for Seniors program allows up to $5,000 to cover basic dental coverage every five years for eligible seniors. Partial or complete eligibility is based on annual income that is below $31,675 for a single senior and $63,350 for a senior couple in 2017. Dental treatment covered includes examinations, x-rays, cleaning, fillings, extractions, root canal, full and partial dentures. Dental treatment not covered includes crowns, bridges, implants, fluoride, bleaching and braces.
NIHB (Non-Insured Health Benefits) government program for Inuit and First Nations typically does not cover the cost of treatment in a specialist office and furthermore, is designed primarily to provide only some limited basic care. Patients with NIHB can receive treatment in our office but must be prepared to pay the significant cost of treatment that is not covered by NIHB.
AISH (Assured Income for Severely Handicapped) government program typically does not allow for the cost of treatment in a specialist office. We are also not permitted to allow the patient to pay us the difference between what the government program will approve and what the cost of treatment actually is. Although unlikely, we can attempt to obtain program approval to see a specific patient under this program if we first receive a letter of referral from the general dentist explaining the patient’s dental problems and why treatment should be completed by a prosthodontist. Alternatively, a patient with AISH can receive treatment in our office but must completely opt out of AISH coverage for treatment provided by out office resulting in their being completely responsible for all of the treatment cost.
WCB (Workers Compensation Board) is required to authorize payment for any treatment required to help restore a worker to their pre-accident condition, for the rest of their life. Unfortunately, our experience over many years has been that the WCB typically does not approve the cost of specialist treatment. The WCB directs patients to be treated elsewhere in ways that reduce the immediate cost of treatment for the WCB without apparent consideration of how successful or how long treatment will last for the patient. Patients have been successful obtaining approval for specialist treatment but we have seen this when the patient has been willing to persevere petitioning the WCB and even going through the WCB appeals process.
OMDS (Oral and Maxillofacial Devices and Services) provides one time funding for some high cost dental services required as a result of severe oral/facial conditions caused by birth defects, jaw abnormalities (tumors), major facial trauma or temporomandibular joint (TMJ) disorder. Extensive jaw surgery must be part of the treatment and typically multiple teeth are involved.