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Insurance Deductible Information
Do you know your deductible amount?
For most patients, we recommend regular visits at least twice a year for a routine check-up and cleaning. Depending on your oral health and any additional treatments, dental visits may be more frequent. Costs can add up quickly – even more so if your dentist recommends extensive treatments. Most patients purchase a dental insurance plan to help cover expenses and minimize what they need to pay out-of-pocket.
In Canada, whichever dental insurance plan you choose, you’ll need to pay a deductible. The deductible is the amount that must be paid out-of-pocket before your insurance company will cover your dental bill up to the policy amount. If there is a balance remaining on the deductible, you are responsible for paying the bill. Any portion that is not covered by dental insurance is non-negotiable. Our Dental Support Staff team can assist you with your insurance claim and are ready to answer your questions.
How does dental insurance work?
Dental insurance pays for a percentage of your dental bill that is covered under the plan. After your treatment, your insurance company will pay for the services through direct billing that we offer here at our clinic If your insurance policy covers 90% of the cost of your dental cleaning and routine exam, you’ll need to pay for the 10% remaining.
Insurance policies typically have a limit on the dollar amount of service covered. For example, if you have an annual amount of $500 for dental cleanings and routine check-ups, you are responsible to pay for additional dental cleanings once the $500 limit is reached. At Brentwood Village Dental Clinic, we understand that paying out-of-pocket for treatments and waiting to be reimbursed by your insurance company can be a point of stress for some families. We want to make your experience with us as comfortable and smooth as possible, and by offering direct billing for our patients, we can help ease some of the stress.
What is a Deductible?
Understanding your dental costs
A deductible is the amount that a policy holder must pay for a claim before the insurance company will pay their portion. That is, if an insured event happens, the policy holder is responsible for covering costs up to a certain dollar amount, at which point the insurance company begins coverage. The aforementioned dollar amount is specified by your insurance company, within the confines of your specific policy. Most deductibles occur annually; that is, if two or more insured events happen in a given policy year, the deductible is only applied once. In some types of policies the deductible is per event, not per year.
If you have a dental insurance policy with a $55.00 deductible, you have to spend $55.00 of your own money before your insurer will pay whatever portion of the rest of the claim it has agreed to cover.
Please note, when providing “assignment of benefits” services, your dental provider may not be aware as to whether or not you have a deductible on your insurance plan prior to submitting a claim. Whether or not you have a deductible is in no way affected by your dental service provider, it is determined by your insurance company and the individual policy you have selected. The insured member (i.e. patient) is always responsible for payment on the day of service for any fees not covered by insurance.
Any portion that is not covered by dental insurance, for any reason, is non-negotiable.