Insurance & Finances
You should consider yourself very fortunate if you have insurance benefits to help with the cost of your dental care. We at Main Street Dental would like to help you obtain the maximum health benefits from your insurance, so please contact us at (403) 948-7945 if you have any questions regarding your insurance coverage.
Known as “direct billing”, we will file most insurance claims for you, and reimbursement will then be assigned to our office. To guarantee accuracy when dealing with your insurance company, it is very important that you bring your insurance information with you. Remember: dental insurance is intended to cover some, but not all, of the costs associated with your dental care. Reimbursement amounts are not, and never have been, a guideline for quality care.
Payment is expected at the time of service. We offer several payment options for your convenience:
- Credit Card: Visa, MasterCard, American Express
- Interac Direct Payment
Main Street Dental – Frequently Asked Questions
Q) Do you accept my insurance? How much will they pay?
A) We currently accept all private care insurance plans (plans that do not require you to select a dentist from a list or require our office to accept a reduced fee for services). This means that we work with literally thousands of insurance companies. Although we maintain computerized histories of payments by a given company, the benefits do change; therefore sometimes it is not possible for us to give you a guaranteed quote of insurance coverage. We estimate your portion based on the most up-to-date information we have, but it is ONLY AN ESTIMATE.If you would like to know your exact insurance benefit, we will be happy to file a “pre-treatment estimation” with your insurance company prior to treatment. This does delay treatment, but will give you the exact out-of-pocket figures you may require.
Q) I thought I paid my portion, but I got a bill. Why?
A) We base the patient portion of your bill on our most current data, but there are many factors that can affect this estimate. There may be a deductible (individual or family), or you may have received treatment in another office prior to joining Chestermere Dental which is not calculated into our database. Sometimes you may need to see a specialist for care, which also draws on your annual benefit. Insurance companies do not, and cannot, notify us of changes to your benefits. THEY ONLY NOTIFY YOU. If any of these situations apply to you, please let us know when we estimate your treatment costs so we may adjust accordingly.
Q) Insurance didn’t pay for my treatment. Now what?
A) We bill your insurance as a courtesy. If insurance does not pay within 90 days,Main Street Dental reserves the right to request payment in full for services from you. You would subsequently be responsible to collect the insurance funds that are due to you directly from your insurance company. This is rare, but it is important that you recognize that the insurance you have is a legal contract between YOU and YOUR insurance company. Our office is not, and cannot be, a part of this legal contract. Ultimately, you are responsible for all charges incurred in our office.
Q) What are my Financial Payment Options?
A) Main Street Dental does request payment in full for your portion at the time of service. If we are unable to obtain a coverage amount from your insurance company at the time of service, we require a payment of 25% of the total fee. We accept cash, MasterCard, Visa, American Express and Interac (Debit). For existing patients with an established credit history, we are willing to discuss other payment options if need be.
Q) My family is in financial need. What can you do to help us?
A) Since every everyone’s situation is unique, it is best to contact us directly to discuss any financial concerns that you may have. By doing this, we can establish a treatment plan that addresses your dental needs while maintaining affordability for you. This will allow us to work together to achieve all of your oral health goals!