At Absolute Dentistry, we understand that dental insurance can be a very complex subject. While it is not possible for us to know every detail, limit, or exclusion involved in all the insurance plans we deal with, our administrative team is here to assist you in navigating your insurance coverage. Our office prides itself on providing a very high standard of dental care at a fair price. If you have any questions about any financial related matter please do not hesitate to contact us at (403) 995-6556.
To guarantee accuracy when dealing with your insurance company, it is very important that you bring your insurance information with you. Remember: dental insurance is intended to cover some – but not all – of the costs associated with your dental care. Reimbursement amounts are not, and never have been, a guideline for quality care. We are happy to help you understand your insurance, but it is your responsibility to provide us with up-to-date insurance information.
We will submit your information to your insurance company for you.
However, full payment for services rendered is due at the time of service.
We offer several payment options for your convenience:
Q) Do you offer direct billing?
A) Yes we do! We are happy to submit a claim to your Insurance Company and only charge you for the portion which is not covered by Insurance. We do ask for a credit card number be kept on file so that any portion not covered by insurance can be charged directly to your credit card.
We accept all insurance plans; private, employee, as well as government coverage such as Provincial Health Benefits including, Child Health Benefits, AISH, Seniors ABC and AHC, as well as Veterans Coverage and NIHB (First Nations Dental Coverage.)
Q) What are my Financial Payment Options?
A) Absolute Dentistry does request payment in full for your portion of your bill at the time of service. We can arrange for you to prepay towards future treatment. We also work with you to prioritize a treatment plan that YOU choose and is best for YOU. We do our best to help you understand what payment is due at each visit. Please feel free to call us if you have questions.
Q) What costs will my insurance company cover?
A) Benefits change from time to time so it’s important to make sure you know what your plan covers. As a result, we cannot provide you with a guaranteed estimate unless we have submitted a pre-treatment estimate prior to your treatment.
Q) What factors do you consider when providing a quote 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 prior to 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) I thought I paid my patient portion but received a bill. Why?
A) We base the patient portion of your bill on the most current data we have on file. However, there are a number of factors outside of our control that may result in additional costs such as:
– An individual or family deductible
– Treatment in another office prior to joining the Absolute Dental Family
– Visiting a specialist
It’s important to note that insurance providers do not (and cannot in most cases) notify us of changes to your benefits – THEY ONLY NOTIFY YOU. If any of these situations apply to you, please let us know at the time we provide your estimate so that we can adjust accordingly.
Q) My insurance company didn’t pay for my treatment – now what?
A) We invoice your insurance provider on your behalf as a courtesy. It is important for you to understand that your coverage is a legal contract between you and your insurance company. Our office is not, and cannot be a part of the legal contract.
As a result, if your insurance does not pay us within 30 days, we reserve the right to request payment in full from you and ask that you collect the insurance funds that are due to you from your insurance company directly. While this is an extremely RARE occurrence, it does happen. You are ultimately responsible for all charges incurred in our office.
Q) What payment options are available to me?
A) We require payment in full for your patient portion at the time of your treatment. We accept MasterCard, Visa, American Express, Direct Billing 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 rank treatments so that you can deal with the most pressing treatments right away and deal with the not-so-pressing treatments over time.
Q) Do you offer payment plans?
A) While we cannot offer a payment plan at this time, we can provide you with a detailed estimate of the work required which can help you secure a loan from your bank. You and your loan officer can work out a re-payment plan that will best suit your budget.
Q) My family is in financial need – do you offer any type of assistance?
A) If you are concerned about treatment costs, please contact us directly – every family/individual situation is unique. We will do our best to help out and are always willing to accept pre-payments. Pre-payments are a smart way to build up credit so that you can get work done in a timely manner without incurring additional charges or taking out loans.