Finance/Insurance

Finance/Insurance 2016-11-08T15:30:12+00:00

Financial Ease

At Princess Dental, we as a staff are here to ensure that your dental experience both in the chair and out is as effortless and as stress free as possible. We especially strive to achieve that the insurance and finance portion of your visit is the least of your worries.

Cost Estimate

A cost estimate is a detailed treatment plan constructed by your Dentist or Hygienist that will outline a breakdown of the treatment that needs to be accomplished, as well as the specific cost associated with each procedure. The cost of your appointment will never go above the dollar amount on your given cost estimate. However the cost estimate does not bring into account the portion that your insurance plan will or will not cover (refer to Basic and Major coverage further down for more info).

Direct Billing

Here at Princess Dental we offer direct billing to all insurance companies. The day of service we send away your claim electronically to your insurance company and the difference (if any) is collected that day. In order for us to set up Direct Billing for you a Credit Card is required on file, no exceptions. If this is not an option for you full payment is required the day of service and your insurance company will reimburse you.

Basic vs Major Coverage

Each Insurance company has their own set of fee guides. These fees may differ from the fee guides our office has set in place. Treatment is split into two separate categories under these fee guides called Basic and Major which states examples below.

Basic Treatment includes:

  • Exams, x-rays, scaling and polish
  • All fillings, extractions, and root canals

Major Treatment Includes:

  • Crowns
  • Veneers
  • Bridges
  • Brux appliance (night guards)

Whether the treatment is considered Basic or Major plays a large factor into how the insurance company will cover. The percentage of major work covered is usually much lower than Basic. As a result of this significant difference in coverage any Major work needed can be sent away for pre determination to your insurance company. They will send you a detailed description of what the exact amount is that they will cover before the date of service so you are well aware of what portion you will be responsible to pay.

All treatment whether basic or major however, is covered up until a yearly maximum specifically set in place by your insurance company.

Non Insured Payment Options

We understand here at Princess Dental that it can be difficult to gather the means to cover the full cost of your treatment upfront the day of service. We offer payment via all major Credit Cards such as MasterCard, Visa and American Express. Also as an alternative, for our existing and established credit history patients we do accept post-dated cheques up to a maximum of three months.

Whatever your situation, we at Princess Dental are here to ensure that you are able to get the care you need to leave with a smile on your face that you are delighted to show off.

finance information for dental services