Insurance Benefits Explained | Love Your Smile Today

How Does Dental Insurance Work?

Dental insurance is a great way to help cover the cost of dental treatment. Having dental benefits doesn’t mean that every dental procedure is automatically covered, but much of your work may be subsidized. Dental insurance policies can also vary widely depending on the provider. You pay a premium based on the type of plan you or your employer choose and where you’re located. You may also have a deductible to pay before your insurance pays for any procedures.

Does my insurance cover the full cost of each dental procedure?

We follow the Ontario Dental Association Fee Guide which is updated yearly. At Love Your Smile Today, we submit claims on behalf of our patients to help assist them with their insurance. Patients are responsible for any remaining differences or balances.

What is a dental insurance pre-determination?

A pre-determination is a request to an insurance company to provide both the patient and our office a guaranteed amount that will be paid toward a service. Pre-determinations are a great way to understand your coverage and confirm coverage for larger procedures. Our excellent administrative staff work closely with the doctors to submit all documentation to ensure that your proposed treatment will be approved. That way there are no surprises at the end of your treatment.

Does Love Your Smile Today submit directly to my insurance?

Yes, in all of our offices we submit directly to your insurance company. Feel free to give us a call at any of our conveniently locations in Ajax, Richmond Hill or Scarborough to set up an appointment.

Using Your Dental Insurance Benefits Effectively and Efficiently

Don’t let your dental benefits go to waste. Every year, people lose hundreds of dollars by letting their dental benefits expire. If you have dental insurance, you might be throwing away money if you let the year end without seeing the dentist, especially if you have outstanding treatment. There are some very good reasons why it might be a smart idea to pick up the phone and make a dental appointment ASAP. With most dental insurance plans, there is a maximum amount of coverage that you can get every year. Yearly maximums vary by insurance plan and reset every year. Sadly, any leftover amount is not rolled over into the next year. For example, you cannot use unused benefits from the previous benefit year for the following year.

Another thing you may want to consider is that if you were holding off on getting treatment done because your benefits were used up in a given calendar year, please consider that your benefits may have refreshed at the beginning of a new year! Call us to find out and we can help you understand your benefits better.

Dental benefits are generally provided by your employer or purchased separately by self employed individuals. When it comes to the world of insurance companies, there can be endless questions left unanswered by your benefit provider. At Love Your Smile Today let our expertly trained staff help you navigate the confusion. We direct bill to your insurance company and can also call them to get a full breakdown of the benefit coverage. Call us today to schedule your appointment!

Don't Waste Your Deductible

Most dental plans have a deductible, which is the amount of money you have to spend out of your own pocket before your dental insurance will cover anything. Deductibles are usually anywhere between $25 and $100. Just like yearly maximums, deductibles reset every year. If you wait until the new year to seek dental care, you’ll have to pay that deductible all over again before you can get any coverage at all.

You pay for it, so use it! Most dental insurance cover 80% or more of the cost of certain basic dental services, including checkups, cleanings and X-Rays. This is because these types of dental services can save people (and insurance providers) lots of time and money down the road. With regular exams and cleanings, you can stop cavities before they start, and catch small problems before they get big.

Another thing you may want to consider that if you were holding off on getting treatment done because your benefits were used up in a given calendar year, please consider that your benefits may have refreshed at the beginning of a new year! Call us to find out and we can help you understand your benefits better.

Dental benefits are generally provided by your employer or purchased separately by self employed individuals. When it comes to the world of insurance companies, there can be endless questions left unanswered by your benefit provider. At Love Your Smile Today let our expertly trained staff help you navigate the confusion. We direct bill to your insurance company and also can also call them to get a full break down of the benefit coverage. Call us today to schedule your appointment!