Insurance & Payment Options
At Stoneycreek Village Dental, all patients are responsible for paying any balances at the time of service. We offer direct billing to all major insurance plans; all patients are responsible for knowing their insurance plans.
Please note, most financial intuitions have employees pay in full then reimburse according to their plan.
It is illegal for clinics not to charge the co-pay (balance) see the attached notice from the Canadian Dental Association.
What is co-payment
Co-payment — also called co-insurance — is the portion of the bill that is your responsibility. It’s the most common way for dental plans to limit their costs, thereby providing various plans with an assortment of benefits and price points for the purchaser to choose.
Some plans are also taking other approaches to limit plans spending: setting annual deductibles, capping the dollar amount, or limiting the number of visits covered within a year.
How much do I have to pay?
That depends on your plan.
An 80-20 co-pay is common for basic procedures such as x-rays, cleaning, fillings, and root canals. This means the dental plan covers 80%. A 50-50 co-pay is common for major procedures such as crowns and bridges.
But there are many variations; be sure to check your specific plans.
Can my dentist waive my co-payment?
No. The waiving of a co-payment in insurance fraud and is against the law. Your dentist could be heavily fined, or even lose their license.
When you and your dentist sign the claim form that goes to the insurance company, you are stating which services were provided and how much, in total, was charged. The insurance company pays its share based upon the assumption that you will do the same.
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