Frequently Asked Questions.
1. How can I pay for orthodontic treatment?
2. How does orthodontic insurance work?
3. Do I need to submit a pre-authorization?
4. My insurance company says I need procedure codes.
5. How do I claim fees from my insurance company?
6. How do we claim if I have coverage with more than one insurance company?
7. Will you submit my claims electronically?
8. What if I pay for treatment in full?
9. I have run out of claim forms, what should I do?
10. We have new insurance coverage, what should I do?
11. I have a Health Spending Account, is this the same as insurance?
12. Is orthodontic treatment tax deductible?
How can I pay for orthodontic treatment?
Orthodontic fees are personalized according to the treatment required. All fees are broken down into an initial payment and monthly payments made over the time of treatment. There is no interest charged or GST payable on orthodontic treatment. We accept Visa, Mastercard, Interac, auto-debit and post-dated cheques. We will not accept payments directly from an insurance company.
How does orthodontic insurance work?
Your insurance policy is an agreement between yourself and your insurance company. There is usually a lifetime maximum per person. How you decide to finance your orthodontic treatment is your decision and does not affect how your insurance company will reimburse you. Most insurance companies will only reimburse you for services rendered as they occur. In orthodontics this means up to one third of the total cost when treatment starts and each following month an equal portion of the remainder for the estimated duration of treatment until the maximum has been reached.
Do I need to submit a pre-authorization?
All insurance companies require a pre-authorization for orthodontic treatment before they will accept claims.
My insurance company says I need procedure codes.
There is an agreement in place between Certified Specialists in Orthodontics in Canada and the insurance associations that procedure codes are not required for orthodontic treatment.
How do I claim fees from my insurance company?
In our office you will receive claim forms to cover the entire treatment period. It is your responsibility to make your claims according to your insurance policy requirements. Most insurance companies will not accept receipts for payment and they often have time limits for submitting claims.
How do we claim if I have coverage with more than one insurance company?
You need to send pre-authorizations to both companies. When claiming for a child, each month, the parent with the birthday that falls first in the year, would claim first, and then send the remainder to the second or third company along with a copy of the explanation of benefits. You cannot claim more than 100% of what you pay.
Will you submit my claims electronically?
We will not submit your claim forms for you as we have no relationship with your insurance company and unfortunately, there is no system for us to claim orthodontic payments electronically.
What if I pay for treatment in full?
We would be prepared to give you a 5% administration discount for paying in full. However, your insurance company would still reimburse you over the time of the treatment.
I have run out of claim forms, what should I do?
Check to see if you have reached your maximum lifetime limit on your last payment from your insurance company. If not, please call our financial coordinator to discuss this. (403) 247-3250.
We have new insurance coverage, what should I do?
If the new coverage is with the same employer, check with the human resources department to see whether you need a new pre-authorization. If you or your spouse has brand new coverage, you will need to call us at (40... to receive a new pre-authorization. You would then receive a confirmation from the new company as to the coverage that is still available if the patient is mid-treatment.
I have a Health Spending Account, is this the same as insurance?
Health spending accounts are not the same as insurance. They do not require pre-authorizations or claim forms but will accept receipts for reimbursement. Your payments do not have to correspond with treatment rendered with a Health Spending Account.
Is orthodontic treatment tax deductible?
Any portion of the fee that is not reimbursed can be claimed as a medical expense.
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Expect to be amongst friends. Nearly half of our patients are referred to us by other patients. We treat many physicians, dentists and other health professionals and their families. In the end we believe that you will be comfortable referring your family and friends to our practice for their particular orthodontics needs.
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Expect exceptional education. We want you and your child to understand his.hers problems and treatment. We use state-of-the-art technology to help and provide doctor to patient progress reports throughout treatment.
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Expect scheduling to acknowledge that your time and convenience is important to us. We work hard to stay on time so you don't waste yours.
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Expect competitive fees, flexible budget arrangements with no hidden costs or unpleasant surprises, all clearly presented in an above board fashion.
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Expect a common sense approach to your orthodontics care using the most advanced techniques to get the best results possible. Because Dr. Antosz is a specialist, you will benefit from a unique combination of art, science and experience.
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Expect the most advanced orthodontic devices. Our in-house laboratory facilities make getting your appliances quick and easy. We don't send any thing "out" and can sometimes even fix or replace stuff while you wait.
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Expect a professional and enthusiastic team to understand that YOU are the most important part of our practice and you can expect us to be there if you or your child needs us. Orthodontic emergencies are rare, but we are always there!
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Expect the most advanced diagnostic services, state of the art technologies and sterilaization facilities.