Financial Options

Patient Information and Financial Options

We thank you for choosing Beachstone Dental for your oral healthcare needs. Our mission is to provide you and your family with the highest level of dental care available today – delivered by our experienced and gentle dentist in a friendly and relaxing spa-like environment.

You play an important role in your dental care, and we believe all treatment and dental care decisions should be a collaboration between you and your dental care provider. We will discuss all treatment options with you, including price and payment options, to make sure you are comfortable with your treatment plan and to answer any questions you have prior to treatment. You will never have surprises when it comes to your bill and the choice to proceed with treatment is always yours.

If you have any further questions after reviewing the information below, please don’t hesitate to contact our office – we’re always happy to answer any questions you may have.

Financial Policy

Beachstone Dental fees for dental services are based on the ODA Fee Guide, as set by the Ontario Dental Association. We are a fee for service dental office which means that you pay at the time of service.

Each patient is unique and requires treatment based on their particular oral healthcare needs and goals. Therefore, Dr. Prasad will review your medical and dental history, take x-rays, and complete a comprehensive oral examination before establishing your treatment planning and the fee for care. Our dentist will share his findings with you and answer any questions and/or concerns you may have. He will explain to you the recommended treatment (if necessary), the estimated costs involved, and the payment options. If you choose to proceed with the recommended treatment, he will set a date for your follow-up appointment(s) and guide you back to the reception area so our friendly team can take care of the billing.

We want to help you receive the dental care you deserve. Your smile is as important to us as it is to you.

Payment Options

Full payment for services is due at the time services are rendered unless prior arrangements have been made.

Please bring your payment information with you to your dental appointment. We offer flexible payment options, and we accept cash and most major debit and credit cards. We suggest you use a rewards card so you can collect free reward points (i.e. cashback, travel points, etc.) on your card.

Insurance and Billing Information

As your dental provider, our primary role is to provide you with quality dental care.  As a patient, it is your sole responsibility to pay the fees for your dental procedures, regardless of your insurance coverage. If you have dental insurance, a dental plan can be a great help in covering the cost of dental care.

Please note that Beachstone Dental is a non-assignment office and we do not accept assignment payments from insurance companies. The method by which a dentist agrees to claim only the uninsured portion of your dental care at your visit and wait until your insurance company reimburses the insured portion is called the assignment of benefits. However, it is becoming increasingly difficult to verify insurance benefits, provide treatment in a timely manner, and get paid by insurance companies due to the variety of insurance plans and patient privacy regulations. The numerous constraints of this method of payment delegation have too large of an impact on the management of a small, privately-owned dental practice such as ours – hence our non-assignment of benefits policy, as recommended by the Ontario Dental Association.

Of course, if you have dental benefits, our office will be happy to help you file your claims to your insurer so that you receive the reimbursement provided by your insurance plan. This means that after payment has been made, we will electronically transmit your dental claims through CDAnet to your insurance company, as a courtesy to you. After your insurer has processed your claims, you will receive the reimbursed payment directly deposited directly into your own account or by check. Most insurance companies process the claims quickly and our patients tend to receive their reimbursements within a couple of days.

Please bring all medical and dental benefit information and cards to your visit so we can help submit your insurance claims on your behalf.

The Ontario Dental Association recommends non-assignment of benefits and explains why:

Why the ODA Opposes Assignment

The ODA is opposed to assignment of benefits and actively encourages dental plan sponsors to make their dental plans “non-assignment” plans. Many people wonder why the ODA would oppose a process that many find convenient.

The answer lies in the fact that “non-assignment” dental plans can be less expensive than those that allow assignment, simply because the act of a patient paying for their dental care makes them financially involved in their oral health care. This provides very a good incentive for the patient to use their dental plan wisely.

Dental claim reimbursement is much faster than it was years ago, and patients are finding that when they pay the dentist directly their reimbursement cheque is received quickly; greatly minimizing the time 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, thanks to electronic claims submission.

Also, many dentists accept credit cards, which typically have a monthly billing cycle. If complex treatment is necessary, dentists can arrange a payment schedule that allows a patient to budget for expenses and get reimbursement that is more conveniently timed.

Active decision-making about oral health care by patients and meaningful involvement in the financial matters of dental care, including the dental plan, is an important part of achieving excellent oral health care.

Beachstone Dental is happy to submit, process, and complete any necessary forms or estimates to your dental insurance company at your request. We can assist you in obtaining benefit information and help with claim submissions and per-authorizations as a courtesy to you; however, it is the patient’s responsibility to know what is covered in their plan, including any limits to the plan or changes, and to seek reimbursement from their dental plan provider.  We want you to remain in control and fully aware of your treatment costs and dental benefits at all times.

The Ontario Dental Association, explains the benefits of the process below.

This simple process has far-reaching benefits.

The patient is aware of the cost of the dental service and will be more likely to:

    • comply with treatment regimens;
    • acquire knowledge about the nature and extent of dental benefits;
    • become a better consumer of dental care and wise user of dental benefits;
    • develop an important comfort level for discussing fees with the dentist;
    • identify areas in the design of a dental plan that could be improved and apprise dental plan sponsors in response.

The ODA has a long-standing philosophy encouraging non-assignment dental plans for the simple reason that when patients have a meaningful financial involvement in their dental care, better decisions are made.

We agree with the ODA and we believe an informed patient will utilize their dental benefits to maximize their overall health. As your dentist, we are happy to work with your insurance provider to ensure you get the best coverage available to you.

We recommend that you contact our office prior to your appointment to provide us with your insurance information if you would like verification of benefits. Upon request, we will submit a claim to predetermine your insurance benefits; however, this is usually not required by most plans. We will provide you with a written estimate for all recommended dental treatment. We can offer you explanations of your dental benefits and financial responsibilities up front, and work with you to ensure financing if needed. This will include the cost of treatment, estimated insurance coverage, and estimated patient share. However, it is possible that your dental plan may not always cover the full cost of your required treatment. Therefore, it is important for you to know how your dental plan is designed, including its limitations and deductibles so that you can be prepared to pay on the day services are rendered.

Please remember we cannot guarantee any estimated coverage because the insurance policy is an agreement between you, your employer, and your insurance company.  The details of a patient’s insurance plan are protected by the Personal Information Protection Act (PIPA). Due to these privacy regulations, it is sometimes difficult for us to communicate with insurance companies regarding payments. It is your responsibility to know what your insurance covers and to inform our office of any changes to your insurance information (i.e. carrier, policy, identification numbers, or plan maximums). This will ensure that your claims are processed correctly.

Ultimately, you are directly responsible for all charges incurred at Beachstone Dental regardless of your insurance company’s coverage. If you need assistance or have questions about your insurance policies or claims, please do not hesitate to call our office – our staff is always available to help you!

Government-Sponsored Insurance

If you are looking for a dentist that accepts HSO or ODSP patients, we can help!

Our dental office is happy to accept new patients on the following government-sponsored dental insurance programs: Healthy Smiles Ontario (HSO) and the Ontario Disability Support Program (ODSP).  We believe everyone should have happy, healthy smiles and access to quality dental care.

Please let us know in advance if you have HSO or ODSP insurance when making your appointment, and bring all personal ID, medical and dental information, and your insurance information to your visit.

At Beachstone Dental, we are dedicated to making your experience as pleasant, worry-free, and convenient as possible – ensuring you benefit from shorter treatment times, faster healing, and a lifelong smile.

For more on what you can expect as a new patient of our practice, please visit the Beachstone Experience.

All the information you need to know is right here on our website, so feel free to get to know our dentist, tour our facility, explore our dental services, and check out our office policies. If you have any further questions, please don’t hesitate to call our office – we’re always happy to answer any questions you may have.

When you are ready to schedule your first visit with us, please get in touch with us to get started! We look forward to welcoming you to our office!

Rejuvenate your smile at Beachstone Dental

We look forward to meeting you!