Financial Policies

The goal of our financial policies are to ensure that patients are well informed, and to keep financial viability of our business so we can provide high quality care and customer service long term.

Payment is due at the time of treatment for all appointments.
Please ask for estimates and predeterminations for treatment before it is rendered. otherwise, you are fully responsible for all fees.
Patients are responsible to know their insurance information. the dental office has no way of knowing your insurance coverage. there are over 30,000 insurance coverage combinations in ontario, so please take responsibility to know what you are covered for.
If a written insurance predetermination has been completed we will accept payment from your insurance company, but you are responsible for all balances

For minors, the parent accompanying the child is responsible for payment of all invoices.
We do not “ask the other parent” for payment.
Unaccompanied minors are assumed to be granted with parental consent for all treatment and expenses that are deemed necessary by the dentist for the specific appointment. please accompany your child to the appointments if you want detailed financial and treatment summaries.

All patients with ODSP/OW/HEALTHY SMILES/SENIOR DENTAL must apply for CDCP in order for us to accept payment from the program.
We do not accept payment for treatment from ODS/OW/HEALTHY SMILES without CDPC coverage.
If you have a household income lower than $90,000/ year you can apply for CDPC coverage below:

There is a 3% per month interest rate applied to all unpaid invoices.
There is a $25 fee for all communication on overdue accounts. this includes emails, phone calls and letters.
There is a $50 cancellation fee for all dental hygiene cancellations withouth 48 hours notice
There is a $100 cancellation fee for all dentist cancellations without 48 hours notice
Credit card payments are accepted up to $1000. Beyond this amount, and 3% surcharge is applied to all credit card payments to cover credit card fees.

Please note that our dental office has NO AFFILIATION with your insurance provider. Your place of work buys insurance coverage for you, and this coverage can vary greatly. We have no way of knowing the details of your specific insurance coverage, unless you provide us with all your detailed info.
If knowing what you can expect in terms of benefits is important in your treatment decisions, please let us know prior to scheduling. We are happy to provide you with treatment codes for you to verify benefits with your insurance provider.
We are happy to provide dental estimates to your insurance company. If you are unclear as to the financial commitment involved with treatment now or in the future, please clarify in advance.

Once treatment is rendered, all fees incurred are the responsibility of the patient.

Payment is due at the time of treatment by Cash, Credit or Debit Card.
If a predetermination has been done, and we have written approval for your treatment, we will accept payment from your insurance company, but you are responsible to pay for all differences that insurance doesn’t pay for.
Outstanding accounts will accrue interest at 3% per month.
Credit card payments over $1000 will have a 3% surcharge applied to all payments.

The Parent/Guardian who accompanies the child to their appointment is responsible for payments. Where an unaccompanied minor requires treatment, the Dentist will assume consent for necessary treatment from the parent/guardian. If you need estimates and want to give explicit consent, you must be present at the time of treatment.
There is a charge of $25 per phone call, letter or email if we have to chase payment for unpaid invoices.
We understand that there are many different family dynamics and respect your individual financial arrangements. However, we do not have the administrative capacity to pursue payment from our parents, guardians or responsible parties. Please have the financial arrangement for your child planned out before bringing them to the dental appointment.

As we reserve appointment times exclusively for you, we respectfully request a minimum of two business days’ notice for any changes/cancellations to your appointments. When notice is provided, we are able to offer the time to another patient in need.

When less than 48 hours’ notice is provided/an appointment is missed, a rescheduling fee applies:

INITIAL APPOINTMENTS

Our office follows the recommended fee guide of the Ontario Dental Association.

Initial Dentist Appointment:

Initial Hygiene Appointment (please read important note below):

We will provide you with a diagnosis of oral health and where applicable, treatment options along with risk factors and estimated fees. The decision for care respectfully rests with you. Should treatment be more involved than initially anticipated, we will inform you as soon as the information is known.

INSURANCE COVERAGE

Please note that your insurance coverage is negotiated between your employer and an insurance company. Insurance benefits are helpful in supporting dental health, however necessary and/or recommended treatment may or may not be a benefit of your particular plan. We strive to provide fair fees in accordance with the guidelines of our governing bodies, and do not adjust our fees to match insurance company reimbursements. Concerns about the extent of your dental insurance coverage should be directed to your Employer. If knowing what you can expect as a benefit towards your care is important in your treatment decisions, please let us know in advance of scheduling. At your request we are happy to submit estimates to insurance companies on your behalf.

INSURANCE PAYMENTS

Payment for services rendered are due at the time of service. We are able to accept direct payment from your insurance provider with the understanding that any difference (co-payment) between fees charged and benefits paid is your responsibility. With electronic claims submission we often know of any difference at the time of service; otherwise, we request a credit card on file to process any difference once any insurance benefits are received. Some prefer to pay us in full at the time of service and be reimbursed by their insurance company.