Now welcoming patients with Canadian Dental Care Plan (CDCP) coverage!

Dental Financing & Insurance

At Deer Valley Dental Care in Calgary, we can collect from your insurance company, and we offer flexible dental financing options to make your dental care stress-free.

After discussing the cost, we can assist you in coordinating with your insurance provider. We can verify, on your behalf, the coverage of your insurance plan. If everything’s set, we can then proceed to collecting from the insurance company.

We want to help you understand all of the financing and insurance options available.

Here at Deer Valley Dental Care, there’s no guessing about what the cost of your treatment will be.

We make sure to provide you a cost estimate before getting started with any dental procedure. We let you know how much a treatment is likely to cost so you can set your expectations.

There are instances, though, when we still lack necessary information. In this case, you can choose to delay the treatment for the meantime. Or you can as well opt to proceed with the treatment on a pay-as-you-go basis.

For your convenience, we also accept a credit card imprint for any amount not included in your dental policy. We also welcome payments via American Express, Visa, Mastercard, and Interac.

At Deer Valley Dental Care, we help you look into the best payment approach possible for you. Our Treatment Coordinators will be there for you every step of the way.

DentAssure Dental Financing | Deer Valley Dental Care

Instant Dental Financing

We understand that not everyone has dental coverage. To help make dental care accessible for your family, we offer flexible financing options through DentAssure.

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Finance FAQs

How Insurance Works

Does Basic Dental Care Cover for You?

Many patients confuse the dental insurance as a contract between the dental office and their employer. But unfortunately, the dental office has no control over the coverage of your insurance plan.

This is because your employer does the negotiation with the insurance company. Hence, the benefits you are entitled to depends on the agreement between the two parties. And more often than not, dental insurance policies only provide beneficiaries basic dental services.

Why is My Treatment Plan Different from My Dental Insurance Coverage?

When we customize a treatment plan for you, we refer to your needs. The dental insurance coverage, on the other hand, is already set beforehand. Unfortunately, dental insurance companies seldom cover 100% of the treatment cost. They usually only cover less than 50% and sometimes, none at all.

Consider too that every dental insurance plan comes with an annual dollar amount limitation. Once you’ve reached that limit, your dental insurance company will no longer cover any treatment cost. That is regardless how important the dental treatment is.

We don’t want you to compromise your dental health because of limitations in your insurance coverage.

Which Dental Treatments are Not Covered by my Insurance?

Dental insurance companies usually don’t cover include bite redesign and cosmetic treatments.

Please keep in mind, though, that dental insurance plans usually work in favour of the insurance provider. They tend to lean toward the cheapest option. However, the cheapest option is not always the best dental solution for you.

There are times when the price gap is wide.

Understand that the insurance provider has not seen the condition of your teeth. Nor will they create a coverage plan specific to your needs. Their best interest is in their company’s profit, which unfortunately limits generosity they can extend to beneficiaries like you.

For your dental health, consider your long term needs. If you don’t get the treatment you need now, chances are you will only be spending a lot more in the long run.

How Does Authorization from Insurance Companies Work?

Insurance companies usually require authorization before you get any treatment. This allows them to monitor and control the amount of dental work you’ll be receiving.

You can choose to begin with the dental treatment even before receiving the authorization. But please understand that this means you’ll have to take care of the treatment costs should the insurance company disapprove.

We always advise patients on the estimated treatment costs beforehand. The authorization process itself can be time-consuming. Please always remember, though, that the decision of the insurance provider does not change your need for dental treatment.

Regardless whether you have an insurance plan or not, we will discuss with you all the treatment options that are best for you. Don’t let your dental insurance plan restrict the treatment you decide to receive. Deer Valley Dental Care can also help you with affordable payment plans.

How Financing Works

Which payment methods do you accept?

At Deer Valley Dental Care, we accept various means of payment. You can look into various financing options. Cover the cost of your treatment using cash or debit cards. You can also pay via cheques and credit cards – Mastercard, Visa, and American Express.

Which treatments will be covered by my insurance plan?

Dental insurance plans can cover a portion or all treatments we offer in the clinic. We’d be happy to assist you in coordinating with your dental insurance provider.

We kindly ask that you leave a credit card imprint along with a signed authorization. The signed authorization is a proof that you approve charging of your card for any amount in excess of your insurance coverage.

What are other things I should take note of in terms of financing?

Payment for any amount not covered by your insurance plan should be made on or before the treatment date.

But in case we are unable to determine the amount covered by your dental insurance plan, we will require full payment of the treatment. Or, you can also choose to sign a waiver expressing your consent to charge your credit card for any amount your insurance provider won’t take care of.

We’ll be charging your credit card instead if, for any reason, the insurance provider has denied your claim on the following grounds:

  • The service is not covered in the plan
  • The claim was submitted after the plan termination
  • The dependant is not on the plan
  • Unable to locate the patient

When necessary, we’d also send you documents so you can reimburse directly from your insurance provider.

Are there any financing options available for those without dental insurance plan?

In the absence of a dental insurance plan, you can also cover the cost of your treatment through post-dated credit card payments. We accept a 3-month maximum payment term, with no interest charged on your account.

If you have any questions about financing, please contact us today and an experienced member of our team will answer any question you might have.

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