Why doesn’t my dentist just accept payment from my insurance company?

Dental plans, offered by many employers, are a means to help you pay for your dental treatment. Most Canadians enjoy dental plans and the insurance companies that provide them are actually benefit carriers. Carriers reimburse patients based on the level of coverage decided by the patient’s employer.

When you visit the dentist, it’s the dentist’s role to make a treatment plan based on your oral health needs. Your needs may be different from what is covered by your dental plan. It is your right to decide whether or not to go ahead with any treatment.

You should not decide based on what your plan covers. If you agree to have the treatment, it is your responsibility to pay for it. It is the responsibility of the benefits carrier’s to reimburse you for the amount covered by your dental plan. Many dentists are willing to contact a patient’s benefits carrier, on a patient’s behalf, to find out if a treatment is covered. The patient has to pay the portion that’s not covered and the dentist may offer a payment plan to help.