What if you want a more expensive dental procedure?
Or you’re a bit stuck for a fix?
Well, you’re not alone.
A growing number of Canadians are paying more than the advertised price for their dental care.
And as Canadians seek to keep up with the rising costs of their health care, they are also facing increasing anxiety and frustration about their dental plans.
Here are some things you need to know about dental insurance.
What are dental insurance quotes?
Dental insurance quotes are offered by the provincial and territorial governments and are sometimes quoted from multiple insurers.
The price can vary, but it can range anywhere from about $50 to more than $500.
You’ll usually pay for the dental procedure or a dental implant in the first month, usually the second or third month.
If you’re over 60 years old, you can expect to pay $1,500 to $1-2,000.
What is the dental insurance deductible?
The average deductible for a Canadian dentist is $1 million, but the deductible for most of Canada’s other dental providers is higher.
The deductible is usually $500 per month for private dental care and $500 for family dental care, which is generally for the first three years.
You can get the maximum deductible for your plan if you qualify for a provincial dental plan.
The province or territory will often also set aside an additional $1 for dental care for seniors.
The maximum deductible is $5,000 per year for family coverage.
How much will dental insurance cost me?
How much dental insurance does your dentist offer you?
Most dentists will offer you a quote for your dental treatment, and it will be based on a variety of factors.
Some dental providers may also offer insurance for other health care expenses.
You can get a free quote for an appointment, a routine checkup or a simple test or procedure.
But you might also want to compare the rates and coverage available with a dental plan from another provider.
You may also need to look at the coverage you get with a different insurance plan.
What kind of dental plan does my dentist offer?
Dentists in Ontario generally offer an option for a low deductible.
They may also provide you with a $5 annual deductible, which you can increase or decrease.
If the plan offers coverage for routine tests and procedures, you may need to contact the insurance company for details.
Dentist plans are also available for children under 18 years old and people with limited incomes.
You’ll need to talk to your dentist before you get a dental insurance quote to make sure that your plan meets your needs.
You might want to ask for an assessment of your dental care costs, and you may also want a copy of your current and past health care records.
You also might want an outline of your insurance benefits and copayments.
How do I compare insurance rates?
You’ll also need some information on your insurance plan and benefits.
You should also check with your insurer if you’re unsure about any of your options.
What if I have any medical conditions?
You can expect that your dental insurance premiums may be higher than what you’d pay for standard health insurance.
It’s important to discuss your dental plans with your doctor before you decide to sign up for dental insurance, as they’ll need all the information you need.
If you have a medical condition, your dentist may also cover it.
The cost of treatment will depend on the severity of the condition.
If your condition is not a health condition, you might be eligible for an alternative plan.
If the dental plan offers dental care to people with low incomes, you’ll likely need to speak with your insurance company to determine if you’ll be able to afford it.
The minimum amount you’ll pay for dental coverage is $200 per year.
If a dentist has a dental procedure for $10,000 or less, you won’t pay more than that.
If they have a dental treatment for $5 million or more, you will pay less.
How long will I be covered?
You might expect to be covered for life.
The average Canadian has a $500 deductible, and they might pay more if they have certain health conditions or have been diagnosed with certain diseases.
They also might be covered in case of an accident or for other serious emergencies.
You’re likely to have to pay for emergency dental care if your insurance coverage is for a long-term condition or if you have an underlying health problem.
What happens if I get a claim for more than I paid?
You should get a copy if you call the dentist.
The dental insurance company will give you the details of your claim and will also give you an overview of the coverage available.
If there’s a problem, you should call your insurance agent and ask for a copy.
You may also get a statement from your dentist.
They’ll likely give you a copy as well.
If all goes well, your insurance provider will send you a statement.
If it’s not good enough, you could request an appeal, but your insurance could reject your claim if the insurance