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Dental Insurance Plans

Claims Forms

The Paperwork
Having good oral health means being an active part of your own treatment plan, not just when you visit the dentist's office, but also when you sit down to review your dental plan and take care of paperwork. Understanding the terms and conditions of your plan can go a long way to ensuring you receive the best care possible.

Help When You Need It
Not sure you understand your plan or how to claim your benefits? Always remember, you can contact the customer service department of your benefit plan provider. They are well-equipped to walk you through the necessary steps and to help you understand the details. If your benefits come through your workplace, you can also ask your human resources department or the customer service contact at your.

Assignment of Benefits
"Assignment of benefits" is when a dental patient instructs an insurance carrier to make a payment of allowable benefits directly to the dentist.

This has obvious appeal to a dental patient because the patient often does not have to pay the dentist up front, then go through the process of filling a claim with their insurance carrier and wait to get reimbursed. However, dental claim reimbursement is now faster than ever, thanks to electronic claims submission. Many patients find that when they pay the dentist directly, there is only a short period of time that they are out of pocket. It is not unusual to see the dentist on Monday and have the reimbursement cheque before the end of the week.

Co-Payment
A co-payment is a portion of the bill that is not covered or reimbursed by your insurance. A co-payment is usually 20 - 50 % of the claim amount. In certain cases, it may even be higher, depending on the service.

Some dental patients believe that the co-payment portion of the bill is optional or that the dentist can waive that portion of the fee. This is not the case. Full payment, including the co-payment, is required in all cases. In cases where patients do not pay the co-payment, dentists have to follow-up with their patients to ensure a full payment is made.