Dental Insurance 2017-09-05T22:54:11+00:00

Dental Insurance

At Steveston Smiles we encourage and welcome families and children into our practice. We understand that having a family can be an expense in itself and are willing to find an insurance arrangement that can work for both of us. We do not want our insurance policy to be a barrier to your families’ dental care. Our office is non-assignment, which means that the patient must pay up front for all dental expenses. We will do the paperwork and submit to the patient’s insurance company so that the patient is reimbursed directly. The reimbursement is usually sent to the patient within the week or sometimes the very next day. Speak to the business assistant upon booking regarding your insurance policy and payment details.

Due to the privacy policy, we are unable to contact insurance companies for our patients regarding insurance details. It is the patient’s responsibility to advise us with the details of the insurance policy and to determine if there has been any changes at any time to the insurance policy so we can help maximize the dental benefits.

Things Every Insured Patient Needs to Know

Vital Information:

  1. Name of insurance carrier and phone number
  2. Name of person in your company who is in charge of employee benefits

Questions patients should ask their employer about their insurance (or their insurance company)

  1. What is the annual maximum allowed per patient?
  2. What is the anniversary date of the policy? Example: January 1st, rolling calendar, from date of initial employment
  3. Is there an annual deductible? If yes, how much is it?
  4. Dental benefits are paid on which year’s BC Dental Association fee schedule?
    • Example 2012, 2013, 2014
  5. How many units of scaling and/or root planning are covered per year?
  6. How many recall appointments are allowed annually?
  7. What percentage of coverage is allowed for the following:
    • Diagnostic Services
    • Preventive Services
    • Restorative Services
    • Endodontic Services
    • Periodontal Services
    • Major Treatment: Example crowns, bridges, dentures
  8. What is the annual maximum for major treatment?
  9. Is endodontic and /or periodontal treatment classified as basic or major treatment?
  10. Does your plan pay for white fillings on molar teeth or do they pay only the silver (amalgam) filling equivalent?

Information patients will be asked to give when calling their insurance

  • Company
  • Name of subscriber
  • Employee’s date of birth
  • Employer
  • Policy number
  • Division number
  • Certificate (ID) number (may be SIN number)