Don’t Let Those Insurance Benefits Expire!
2020 IS ALMOST OVER, and that means it’s time to talk about dental insurance. Most dental plans don’t let the benefits roll over into the next year if they go unused. If you haven’t yet taken advantage of all your benefits, then now is the time to do so before they renew!
Is Your Insurance Coverage Compatible?
We accept most Canadian dental insurance plans; your plan might be under Sunlife, Greenshield, Blue Cross or Canada Life. Whether your insurance is through your employer or privately purchased, your insurance will always provide you with a copy of your policy coverage. We highly recommend learning your coverage from top to bottom!
If you’ve been thinking of coming in for a cleaning or other treatment but aren’t sure if you’re covered, ask our friendly receptionists to send off an estimate! Depending on your insurance company, they can take just 3-5 business days to get back to you! And once you come in and finish your appointment, we direct-bill to your plan. Easy!
Standard Procedures That Are Covered By Insurance
As we reach the end of the year, many of our patients look to fit in their last cleaning. Typically cleanings are covered under basic preventative care and include ‘scaling,’ ‘polishing,’ ‘fluoride,’ and a general check-up. Each plan has its limits on the amount of scaling covered – some plans cover four cleanings a year while others might cover two over 12 rolling months. Fluoride is a tricky procedure as some plans restrict it to patients below a certain age. However, an excellent way to make sure you’re covered is to read your policy booklet before your appointment. Does your plan cover fluoride? Are there any restrictions on who is covered?
Most insurance plans cover recommended treatment such as fillings and root canals under basic restorative care, and many patients are eligible for coverage up to their annual maximum. Plans can have different coverage for procedures like crowns, retainers and Invisalign – some plans could cover up to 75% of a crown or 50% of orthodontic work.
Are you unsure if your procedure is covered? Call our receptionists and ask them to send an estimate on your behalf!
What To Do Before The Year Ends
Most cleanings can be completed in one visit, depending on the amount of build-up on the teeth and how regularly you attend. Appointments usually take just one hour, and we bill your insurance on the day.
Your dentist can complete most fillings in one or two visits. Like cleanings, we bill for them on the same day.
Crowns are a procedure that can generally take one week to complete. The dentist first prepares your tooth and takes an impression for your crown. After that, you return a week later to have your crown cemented! With insurance, we bill for these procedures on the day of completion. If your plan renews in January and you wish to use this year’s coverage, it means your crown will need to be started and completed before the end of December. Therefore, if your crown procedure began in late December but you claim in January, it will come out of your new and renewed benefits.
The procedure for getting a nightguard is the same as a crown. Similarly, you come in for your impressions and return a week later to collect your appliance. It’s that easy! Likewise, we submit your insurance claim on the day you collect it. (This is the same for other appliances like retainers and lingual wires!)
We Can’t Wait To See You!
We’re always looking out for our patients and want to make sure you’re taking the fullest advantage of your benefits! If you have any questions regarding dental insurance, contact us today and we can help!
Above all, the most significant benefits are to your dental health! So don’t let them go to waste!
Would you like to book an appointment? Head over to our appointment page to request a visit!
Want to learn more about dental insurance? We explain insurance benefits in more detail here.
*Some dental plans don’t allow direct-billing and may require payment upfront. We recommend checking with your provider before coming in so you know you’re that covered!
This blog’s content is not a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions you may have regarding medical conditions.
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