Dental insurance and other financial aspects

Dental insurance and other financial aspects

Dental insurance

Unlike other insurances such as life, car or home insurance (the risks are assessed before acceptance), dental insurance offers uniform coverage for everyone in a same group. It does not take into account the needs of the dental or medical condition of each person. Coverage by a dental plan is not a traditional form of insurance, but rather an economic advantage, through which a portion of or all the costs for dental treatments are prepaid.

Reimbursement claim

There are several possible methods for claiming reimbursements for your dental care. Please ask your insurer which method they prefer.

  • Electronic  

    For insurance companies that accept this type of reimbursement claim, we will send your reimbursement claim directly to them at the time of your appointment. In order to do this, we will need your contact information, insurance contract and policy numbers of the principal insurance holder.

  • Regular mail  

    At the time of your appointment, we will give you a completed form, provided by l’Ordre des dentistes du Québec. All you will need to do is sign it and send it to your insurance company.

Reimbursement

The reimbursement of your expenses can be done in several ways. Please ask your insurance company about their procedures and time limits.

  • Direct reimbursement

    Many insurance companies reimburse your dentist directly, which allows us to file the claim for you at the time of your treatments. The amount covered by your insurance is automatically deducted from your bill.

  • Direct deposit

    Certain insurance companies deposit the amount reimbursed directly in your bank account following your claim.

  • Cheque

    Lastly, other insurance companies will send you a reimbursement cheque following your claim.

 *  In the last two situations, you must pay your entire bill to the dentist and then send the claim to your insurer.

Be well informed

When you register for an insurance plan, it is important to learn about the terms of your contract. Contact your insurer to validate the benefits to which you are entitled. Here are some important points about your dental insurance to verify with your insurer:

  • types of treatments covered
  • limits of your contract (maximum annual amount, frequency of examinations, etc.)
  • the various coverages available for different types of treatments (basic and those considered major: partial or fixed prostheses, etc.)
  • when to renew your insurance
  • persons covered by your contract (spouse, children)

It is important to know that the amounts allowed for treatment by the insurer may differ from the fees charged by the dentist.

As the insured person, you are solely responsible and also the only one authorized to obtain such information.

Financing

If you would like to realize your dreams of a healthy smile but the related costs seem out of reach, we have a solution for you.

We offer the possibility of obtaining a loan specifically for dental health care. As with buying a car, it is possible to spread your payments over several months with the Dentoplan program. Not only are the steps simple, but you will be amazed at how quickly your application is processed.

So you can take proper care of your dental health and get the smile of your dreams, without the financial stress.

Income tax credit for medical costs

Did you know that…

You are entitled to non-refundable tax credits for medical expenses and if applicable, also for your spouse and your dependent children.

If you paid medical expenses which amount to over 3% of your net income and you meet the conditions established by Revenu Québec, you are entitled to non-refundable tax credits. There are also the federal non-refundable tax credits for medical expenses. To learn more, visit Revenu Québec and the Canada Revenue Agency.