Our Financial Policy

We are pleased that you have insurance benefits to help with the cost of your dental care. We would like to help you obtain the maximum use of this benefit. The following are variables associated with insurance plans that can influence the extent of your benefit.

Dental insurance is a contractual agreement between you and your insurance company and in no way is an agreement with our dental office. The terms of the dental plan and the extent of your coverage depends on the benefit package your employer has purchased for you.

The following are areas that you should become familiar with, in regards to your individual coverage and your financial obligations.

• Yearly deductibles - Most insurance plans require that you pay a deductible amount each year on the anniversary date of your policy.
• Treatment Percentage Coverage - Most insurance plans do not pay 100% for all types of treatment; some plans do not pay at all for certain procedures and most pay a percentage for different treatments.
• Fee Guide - Fee guides are established yearly by the Ontario Dental Association. Our office is on the current year's fee guide. Not all insurance plans pay their claims on the current fee guide but instead may pay a lesser fee.

Clearly, not all treatment billed to you by us may be reimbursed 100% by your insurer. The patient is ultimately responsible for all fees charged by our office.

Due to the current privacy legislation, insurance providers are no longer allowed to release your private information if we contact them on your behalf. However, we require information from you so that you can know the extent of coverage for a particular treatment.

We can help you keep track of your benefit used by providing you with accurate statements when needed. We can send requests for an Estimate of Coverage ("Predetermination") on your behalf for dental treatment, so that you will know your exact coverage before making your final treatment choice.

Ultimately, we are treating you as patient, and not "treating your insurance plan." You are fully responsible for the cost of all dental treatment that has been done regardless of your insurance coverage.

Please download our Insurance Breakdown Form and, while on the phone with your insurance provider, fill it out so that we may help you understand your dental benefit.

Do you accept my insurance? How much will they pay?
We currently accept all private care insurance plans. This means that we work with literally thousands of companies. Although we maintain computerized histories of payment by a given company, plans often change. Therefore, it is impossible to give you a guaranteed quote at the time of service. f you would like to know your exact insurance benefit, we will be happy to request an estimate of benefit from your insurance company prior to treatment. This does delay treatment but will give you the exact amount you will be required to pay.

I thought I paid my portion for my treatment, but I got a bill, why?

• There may be a deductible;
• You may have received treatment in another office prior to joining Westmount Dental, which may have used up your dental benefit;
• Your insurance plan may provide different benefit for different procedures;
• There may be a Fee Guide difference. That is, our fees follow the current year's fee schedule and your insurance carrier may not follow the current year of fees;
• If you have seen a Specialist for care this may use your annual benefit; and
• Your insurance benefit may have changed. Insurance companies do not notify the dental office of changes to your benefits, they only notify you.

My insurance plan did not pay for the treatment. What should I do?
We want to make your experience at Westmount Dental as carefree as possible. As such, we bill your insurance as a courtesy to you. If your insurance company does not pay Westmount Dental within 60 days, we will request payment in full for services from you and let you collect the insurance funds that are due to you. This is rare but it is important that you recognize that your insurance plan is a legal contract between YOU and YOUR INSURANCE COMPANY. Our office is not, and cannot be, a part of that legal contract. Ultimately, you are responsible for all charges incurred in our office.

Westmount Dental does request payment in full for your portion at the time of service. We accept Credit Cards, Debit Interac and cash. If you are in need of an extended finance option, please speak to one of the Office Administrators before the treatment to see whether a suitable arrangement can be made.

We offer family dentistry and cosmetic dental care to adults and children. We provide a wide range of services including surgical extraction of wisdom teeth, laughing gas sedation, deep cleaning and periodontal treatment, tooth bleaching, root canal treatment, esthetic bonding, porcelain veneers, laser whitening, dentures, and the surgical placement of dental implants.

We are available for emergency dental treatment and we provide free consultations.

It would be a pleasure to care for you and your family. Come in to our office or view the images for a tour of our facility.