The staff at Summit Dental is pleased that you have insurance benefits to help with the cost of your dental care. We would like to help you obtain the maximum use of these benefits so; please contact us at (403) 201-0588 for a consultation to discuss your dental needs and to help determine your insurance benefits coverage.
Payment for services is expected on the day of service. We offer several payment options for your convenience:
We will be happy to file insurance claims for you. Please bring your insurance information when you come in for your appointment. We will work with you to ensure that you receive the maximum benefits to which you are entitled. Remember, dental insurance is intended to cover some, but not all of the cost of your dental care. The fees charged for services rendered to those who are insured are the usual and customary fees charged to all our patients for similar services. Your policy may base its eligible fee on a fixed fee schedule, which may or may not coincide with our usual fees. You should be aware that different insurance carriers vary greatly in the types of coverage available and that group benefits are designed based on options your employer has chosen for you
Summit Dental Frequently Asked Questions
Q) Do you offer direct billing?
A) We will direct bill as long as the policyholders Benefit Provider will allow us and as long as we have an active credit card number on file to cover any unpaid balances. However, sometimes assignment of benefits will not be permitted due to Benefit issues or balance on account issues. Also, there are a few policies which will not permit the benefits to be assigned to the dental office and will only forward payment to the patient; we require payment at the time of treatment in these instances.
Q) What costs will my insurance company cover?
A) Unfortunately, we are unable to know exactly what every patient’s dental benefits will pay. We will do our best to find out when asked – but it is the responsibility of the patient to know the details of their Dental Benefit Policy when changes occur to the plan, what is covered by the policy and who is covered under the policy.
Sometimes your Benefit Provider will not let us know the information for your policy because of privacy legislation. It is helpful if you have a booklet or form with these details to bring to your appointment.
Q) Do you offer payment plans?
A) We do offer payment plans for extensive treatment after the initial appointment. The payments are broken down into three equal payments paid monthly by post-dated credit card (unfortunately we do not accept cheques for payment plans).
Q) What factors do you consider when providing an estimate for treatment?
A) Our estimates are based on the most recent information we have on file. If you’re concerned about exactly what costs you’ll be responsible for, simply ask about our ‘Pre-Treatment Estimate.’
Q) What is a ‘Pre-Treatment Estimate’?
A) A Pre-Treatment Estimate gives you the exact cost of the treatment. Upon request, we’ll file this paperwork with your insurance provider before any work being done. While this may delay your treatment, you’ll know exactly what (if any) out-of-pocket costs you may be required to pay.
Q) What payment options are available to me?
A) We require payment in full at the time of treatment. We accept MasterCard, Visa, American Express and Interac (Debit).
Q) What is the best way to budget for my treatment?
A) We’re happy to put together a detailed treatment plan with the associated costs clearly outlined so that you can budget for each appointment accordingly. We can also prioritize treatments so that you can attend to the most urgent treatments right away and then plan further treatments over time.
Q) Do you extra bill over and above what my insurance company pays?
A) No – There is no set Dental Fee Guide in Alberta. The last established fee guide was published in 1997. Every dentist in Alberta is required to set their own fee guide based on their education and training, skill, clinical judgment and experience while taking into account the practice overhead costs. Each Benefit Provider also sets their own fee guide, often having many different fee guides for their different policies. This is why it is difficult for us to give our patients the exact amount which will be their portion outside of what their benefits will pay. Some plans pay below our fee guide; some pay the same fees, and some would pay fees higher than our fee guide.
Q) My dental insurance said it pays 100% for my dental treatments: why do I still owe you money?
A) We hear this question often. Usually, the patient has looked at his EOB (explanation of benefits statement) which tells you what the provider paid, or they check their plan booklet and sees that the fee charged by the dentist exceeds the fee guide amount set by the Benefit Provider. The problem is that the fee covered by the provider is whatever has been negotiated between your employer and the Benefit Provider, and is directly dependent upon the premium paid for your specific benefit policy. That is why the coverage can vary even among the employees of the same company or other patients covered by the same Benefit Provider. (Also see “Do you extra bill up and over what our insurance company pays?”)
If you have any questions about your Financial Options, please call us at (403) 201-0588!