Understanding Your Financial Options
At Deer Valley Dental Care, we want to help you understand all of the financing and insurance options available so there’s no guessing about the cost of your treatment.
We make sure to provide you with 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.
However, there may be instances where we still lack necessary information. In this case, you can choose to delay the treatment for the meantime, or you can opt to proceed with the treatment on a pay-as-you-go basis.
For your convenience, we accept a credit card imprint for any amount not included in your dental policy. We welcome payments via American Express, Visa, Mastercard, and Interac.
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 Fairstone.
FAQs About Dental Insurance
It's important to understand what your dental insurance will cover before treatment begins. That way, you can avoid any unexpected costs moving forward.
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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. 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 of whether you have an insurance plan or not, we will discuss 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.
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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 costs, regardless of how necessary the dental treatment may be.
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What does basic dental care cover?
Many patients confuse dental insurance as a contract between the dental office and their employer. 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.
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Which dental treatments are not covered by my insurance?
Dental insurance companies usually don’t cover procedures such as 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 the 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.
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Do I need to pay first or can you bill to my insurance company directly?
We can verify the coverage of your insurance plan on your behalf and proceed with collecting payment directly from your insurance company.
FAQs About Financing at Deer Valley Dental Care
For those without dental insurance, our dentists in South East Calgary are able to offer financing options to spread out payment of your treatment.
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Which payment methods do you accept?
At Deer Valley Dental Care, we accept various means of payment. You can 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. Alternately, you can ask us about our various financing options.
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How do I apply for financing?
In the absence of a dental insurance plan, you can cover the cost of your treatment through post-dated credit card payments. We accept a three-month maximum payment term, with no interest charged on your account.
You can apply online for financing through Fairstone, which does not require you to have a dental insurance plan. You can also text patientfinance to 32471 to get started.
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What else should I 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.
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 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 in their system