Insurance & Finances

About Dental Insurance and Finances


Main Street Dental is pleased that you have dental insurance and finances to help you cover the costs associated with your dental care. For your convenience, we accept almost all insurance plans and file most insurance claims for you (‘direct billing’). Reimbursement will then be assigned to our office. Remember that reimbursement amounts are not a guideline for quality of care. Not all dental insurance plans are the same, which makes it important for you to understand your specific plan details before your appointment. Most dental plans cover some, but not all, of the costs associated with your dental care.

Here at Main Street Dental, we strive to help our patients maximize their dental insurance & finances and we ask our patients to please bring along a copy of their insurance plan details for us to help you get the most out of your dental insurance plan. We also use this information to provide you with accurate estimates for your treatment.

At Main Street Dental, while we will submit your information to your insurance company for you, payment is expected at the time of service. For your convenience, we offer several payment options to suit your needs:


Credit Card: Visa, MasterCard, American Express

Interac Direct Payment

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 thousands of insurance companies. Although we maintain a computerized history of payments by a given company, the benefits do change. As such, it is not always 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 it 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 Main Street Dental, which is not calculated in 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) My Insurance didn’t pay for my treatment. Now what?

A) We bill your insurance as a courtesy. If your 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 for collecting 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 of the treatment you receive 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 Main Street Dental do to help us?

A) Since 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 keeping in mind affordability concerns. This will allow us to work together to achieve all of your oral health goals!


Online Reviews


We absolutely love this office. I have extremely high anxiety and they are so patient with me. My 4 year old asked if we can go back next week as she had a wonderful time at her cleaning. Great experiences every time and billing is very reasonable.


Samantha Lewis


From the minute you walk in, everyone is kind and professional. The hygienists and dentists provide clear instructions and the front desk always has the paperwork taken care of right away. Just a great group of people!


Jody Bobb


Amazing office, I have been going here for 25 years since I was a kid. I broke my tooth playing hockey, they got me in the very next morning, referred me to a specialist for more detailed gum work (who I seen the next day) and temporarily fixed my tooth all in the same week. Great office and everyone seems to have a sense of humor!


Mike Beierle


I have been going to Main Steer Dental for over 5 years and I can say that I am very satisfied with quality of care I have received. Punctual, clean, friendly. The stuff is professional and competent. I definitely recommend this office for all your dental needs.


Giuseppe Izzo

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    Monday: 7:40 am to 3:30 pm
    Tuesday: 7:40 am to 3:30 pm
    Wednesday: 7:40 am to 8:00 pm
    Thursday: 7:40 am to 8:00 pm
    Friday: 8:00 am to 4:00 pm
    Saturday: By Appointment Only
    Sundays: Closed
    Statutory Holidays: Closed