Dentists Treat You, Not Your Dental Plan
According to the 2010 Canadian Health Measures Survey, 62% of Canadians have a dental plan, but many don't realize that group plans aren't designed to meet individual health needs. "Dental plans are a valuable component of extended health benefits and are designed to offset the cost of dental treatment," says Dr. Hank Klein, President, British Columbia Dental Association (BCDA). "Understanding how dental insurance plans work can help patients make informed choices in partnership with their dentist or dental specialist."
Just like your physician, your dentist or dental specialist is highly trained. Treatment recommendations are based on your dental health needs, not dictated by your dental coverage. A dental plan is a contract between a third party (like your employer), and the insurance company. The procedures and percentages covered are determined by the contract, not your dentist. Your dentist can help you understand your coverage and assist you in getting pre-authorizations for treatment. This will provide you with a good estimate of what will be covered by your plan, and what you will have to pay-before the treatment starts.
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