DENTAL FINANCING INFORMATION

Your treatment plan will include a breakdown of all applicable fees, and we will inform you of all costs before treatment is commenced. Charges are payable at the time of service. For your convenience, we accept cash, check, Visa, MasterCard, and debit cards.

We also offer financing through Dental Card a division of  MediCard Canada an organization that assists patients with paying for procedures that are not covered by insurance offering convenient monthly payment options, no up-front costs, no prepayment penalties and no annual fees.    

Dental Card offers:

• No downpayment
• No collateral
• High approval
• Competitive interest rates
• Low monthly payments

Further information can be found at:  (www.dentalcard.ca)

Additionally, as a convenience to our patients we will submit all insurance claims for you. We will fully attempt to help you receive full insurance benefits; however, you are personally responsible for your account, and we encourage you to contact us if your policy has not paid within 30 days.

We are participating providers in most major dental insurance plans. These include Pacific Blue Cross, Great West Life, ManuLife Financial and many others. Please contact our administration staff with any questions.

A note about dental fees and the BC dental fee guide – The BC Dental Association (BCDA) produces an Annual Suggested Fee Guide for Dental Treatment Services, effective February 1^st of each year. (www.bcdental.org)

Most, but not all, plans will cover costs based on the fee guide.  It is important to note, however, that it is not mandatory for dental offices to follow the fees suggested in the fee guide.  A copy of the current fee guide can be viewed at most larger municipal libraries. 

Patients will receive a written treatment plan and estimate of costs before treatment starts. Since your plan may follow the BCDA fee guide fees, you may want to know whether fees for specific proceedures vary from the guide.  This will provide our patients with a more accurate estimate of what proportion of the total cost will be covered by the dental plan, and how much you may be required to pay personally.  

Most dental plans will cover a set percentage of the cost of treatment.  This will vary but the most common levels of coverage are 50%, 70%, 80%, and 100%.  

It should be noted that plans that claim to cover 100% in reality seldom do.  Inevitably, there will be an item of treatment that will not be covered at 100% - perhaps not at all.