Most Canadians have dental plans and the insurance companies that provide them are actually benefit carriers. Carriers reimburse patients based on the level of coverage decided upon by the patient’s employer.
When you visit the dentist, it is the dentist’s job to make a treatment plan that best fits your oral needs. These needs may be different from what is covered by your dental plan, but it is your right to decide whether or not to go ahead with any treatment.
If you are not sure if your treatment will be covered by your dental plan, most dentists are willing to contact your benefits carrier on your behalf to find out if the treatment is covered.
I don’t have dental insurance and can’t afford to go to the dentist. What can I do and why does dentistry cost so much anyway?
If you do not have a dental plan and cannot afford to pay your entire bill at once, some dentists will offer a payment plan that can help you pay for the treatment. If you cannot afford care, even with a payment plan, contact the nearest:
- Social services agency to see if you qualify for government-funded dental care
- Dental school where senior dental students provide treatment at a reduced cost