Ellerslie Dentist | How Dental Insurance Works
Understanding dental insurance is difficult admits Ellerslie dentist. Because there so many different insurance companies. Who have so many different types of packages.
And while many people can pay additional fees. In order to get a larger package. That offers more coverage on more services. That is not always the case. Some companies that have health benefits.
Offer employees who have been around longer. A better package. It can work as a retention strategy. That once they reach their five-year or ten year anniversary. They start getting better benefit packages.
According to health Canada, 62% of Canadians. Have private health insurance. While 6% have public insurance. However, that also unfortunately means. That 32%, almost a third of all Canadians.
Have absolutely no dental insurance at all. This means many people have to pay the entire amount. When they visit the dentist. Which can be an extremely hard pill to swallow. If people are living below the poverty line.
What makes it more difficult says Ellerslie dentist. Is that there is no standardized pricing. Between dentists across the province. Or across the country. It is impossible to standardize.
Simply because different dentists will have different expenses. And costs associated with their practice. For example, they might have an expensive downtown office. And several staff members.
They might have high utility bills. And other expenses that other dentists. May not have. Meanwhile, a dentist in a rural area. Might have extremely low costs. Therefore, each different dentist across Canada.
Can charge whatever they want. In order to cover their costs and their expenses. However, Ellerslie dentist says there is the Alberta dental fee guide. Which is an annual publication. That the government puts out.
It has a list of every single dental service. That people can get. With a suggested price for each one. And while most dentists do their best. To adhere to the fee guide. And set their prices as close as possible.
They also need to be cognizant. Of covering their costs as well. So that they do not lose money. By at hearing to the fee guide. Especially if they have more expenses. Then the average dentist does.
This dental fee guide can be very helpful. For people who are looking. To figure out approximately what. They have to pay when they visit the dentist. Such as if they have to save up more money or not.
Even though most dentists adhere to this fee guide. Not all of them do, but individuals. Can call each dentist. And ask if they have prices. Similar to the dental fee guide. In order to make their decision.
On what dentist they will visit. When people see their dentist. Not only do they adhere. To the Alberta fee guide. As much as possible. But they offer free consultations. To give patient’s estimates before they start work.
And even offer payment plans. So that if people are having a hard time. They can pay their bill off. A bit at a time. So that they do not have to break the bank. To pay for their dental bill. Or, go without dental work.
Ellerslie Dentist | How Dental Insurance Works
One of the most important things for patients getting dental work to do says Ellerslie dentist. It is call their insurance company. And find out what services are, or are not covered.
In fact, Ellerslie dentist offers their patients. An estimate, before they start work. That they will be happy. To send off to the insurance company. In order to preapproved.
While some insurance companies have no problems. Others may take several days or weeks. Before they decide how much. Of the bill they are going to cover. As well, some insurance companies.
While pay Ellerslie dentist directly. While others require the patient. To pay their dental bill. And then submit receipts to get reimbursed. The reason why it is so difficult. For patients to know what services are covered.
Because there are dozens of different insurance companies in Canada. And each of them have different plans. That cover a wide variety of different services. As well, they have different amounts that they cover.
So that it can be very overwhelming. For people to know. If their insurance company will cover. And entire cleaning for example. And if they have to pay the dentist. Or get reimbursed from the insurance company.
If people are confused, Ellerslie dentist recommends. Bringing their insurance card. Or at least the insurance company and policy number. That way, people will be able to have the dentist.
Call the insurance company on their behalf. In order to find out exactly. What they are going to cover. People without insurance, often are unable. To pay for the treatments that they need. And there is a huge problem with that.
People who cannot afford to take care of their teeth. Will end up with larger problems. Such as cavities. That not only are more painful. There also more expensive to fix. And when they end up ignoring that cavity.
It can turn into larger problems. Such as needing a root canal and crown. Getting an abscess, or needing to be pulled. And then replaced with a dental implant.
However, before they start work people should find out. If they actually qualify. For government program that pays for their dental work. For example, many seniors get free dental work.
And some low income earners. Qualify for getting free work as well. The tooth doctor will be more than happy. To find out if they qualify. For each of these programs. And if not, they can work out.
A payment plan that will help them. Find a way to afford the treatment that they need. While good oral hygiene. Helps maintain an overall healthy body. The tooth doctor wants to ensure. Everyone gets the dental care they need.
If people are ready to book an appointment with the tooth doctor. All they have to do is call, email. Or submit a form on their website. And come to the right location, on their appointment day.