Do We Direct
Bill Insurance?

Direct Billing Your Dental Insurer.

It's just another way our Calgary dentist puts our patients first.

Our Calgary dentist team knows that you’re busy and the last thing you want to do is more paperwork. To make your visit with us as stress-free and efficient as possible, we’ll gladly direct bill your dental insurance company and submit all necessary insurance documents on your behalf. For your added peace of mind, we can also submit a request for a pre-determination of your dental insurance benefits prior to your dental treatment so you know what your out-of-pocket expenses will be for your proposed dental procedure. For your convenience, our Calgary dental office accepts most dental insurance plans.

Please ask one of our dedicated and friendly team members for more information about our direct dental insurance billing and pre-determination request policy and procedures at our Calgary dentist office. We’re here to help!

Do you have questions about your dental insurance?
Call our Calgary dentist now. We’re here for you.

Questions About Your Dental Insurance?

Just ask us. We're here to help.

If you’re interested in one of more dental treatments but would like to know what is covered by your dental insurance plan prior to proceeding, our Calgary dentist office is here to help. Our Calgary dentist team can pre-determine any dental procedure with your primary and/or secondary dental insurer(s) so you can know exactly how much your insurance will cover and what your patient portion will be. Simply fill out the form below and we will submit your pre-determination to your insurer(s) on your behalf.

Once our Calgary dentist office receives information from your dental insurer(s), we will be in touch with you and let you know your insurer’s response. Most plans also provide this information directly to the patient. Please note that some requests for a pre-determination cannot be done without x-rays.



We Have Answers

Find out more about some of our most frequently asked questions of our Calgary dentist office about dental insurance.

Our Calgary dentist office accepts the vast majority of dental insurance plans, including group dental insurance plans, private dental insurance plans and government dental insurance plans. Some of the dental insurers we direct bill to include:

    • Canada Life     
    • Sun Life Canada
    • Alberta Blue Cross
    • Pacific Blue Cross
    • Industrial Alliance
    • Claim Secure
    • The Co-Operators
    • Desjardins Insurance
    • Empire Life Insurance

If you’re wondering whether our Calgary dentist can direct bill your dental insurance plan, please call our dental office and one of our friendly and knowledgeable team members would be happy to answer any question you may have.

Most dental insurance plans require that patients pay a certain portion of their Calgary dentist fees after payment by their dental insurance plan. This amount is often referred to as a “co-payment”. The amount of the co-payment will depend upon a variety of factors, including the fee schedule adopted by the particular dental insurance plan, the Calgary’s dentist’s fee charged for the particular treatment and the percentage of that fee that is covered by the dental insurance plan. The amount of the co-payment a patient must pay for their dental treatment is a percentage of their dental insurer’s stated fee guide which may differ from your Calgary dentist’s fee guide. 

It is important to note that the percentage at which a particular dental treatment will be covered by an insurer varies depending upon the insurance company, the type of plan you or your company has with that insurance company and the type of dental procedure.

For instance, for a typical dental hygiene visit with a Calgary dentist, most dental insurers will cover dental treatment such as scaling, polishing and dental x-rays at a rate of 70-100% of the dental insurer’s fee guide. After payment by the dental insurer of that 70 to 100%, the patient is contractually obligated to their insurer to pay to their Calgary dentist the balance of the dentist’s fee, which is known as their co-payment. Similarly, the Calgary dentist is also contractually obligated to collect the co-payment from their patient.

Another important aspect of some dental insurance plans to be aware of is annual policy limits. Although not all dental insurance plans have an annual policy limit, it is a common feature of many dental insurance plans. If your policy has an annual limit, this means that, after reaching a certain dental benefit amount, the dental insurer will not pay any further benefits for your Calgary dentist treatment during that benefit year.

Although our Calgary dentist does not recommend that your oral health choices be guided solely by your dental benefit coverage, it is certainly understandable that you would want to maximize your dental insurance benefits and minimize the amount of treatment done with no benefits at all. A good way to do this is to speak with our NW Calgary dentist (located in Kensington / Hillhurst / Sunnyside area) about your recommended treatment and, if you are approaching your annual policy limit, determine whether certain dental procedures can be safely delayed so you can take advantage of the following year’s dental benefits. Approaching your dental treatment in this manner is often a possibility, particularly if you are not dealing with a dental emergency and the end of your dental policy’s benefit year is approaching.

Yes, of course! Asking our Calgary dentist for a pre-determination of your proposed dental work can be a very useful tool in planning for your dental treatment. 

A dental insurance pre-determination is a request to your dental insurer prior to treatment to confirm the amount of existing insurance coverage for the proposed dental treatment. Often our Calgary dentist can make this request of your dental insurer on the day of your visit, with the response being communicated through our computer system, or if that is not possible with your plan, a phone call. If the dental treatment involves major dental work such as crowns, veneers, bridges, sedation dentistry, dental implants or other extensive dental treatment, a request for a pre-determination must be made several weeks in advance of your appointment date to allow your dental insurer time to review x-rays and assess your potential claim.  

Dental insurance plans vary widely amongst dental insurance providers and the amount of dental insurance coverage available to a patient varies widely amongst the myriad of plans underwritten by dental insurance companies. Most dental insurance plans will only cover a percentage of the total cost of each dental procedure and the percentage often varies depending upon the type of procedure. Many plans cover a higher percentage (often at the rate of 70-80%) for basic dental treatment such as dental hygiene cleanings, check-ups, fillings and tooth extractions and a lower percentage (such as 50%) for major dental treatment such as dental crowns and bridges. For procedures such as dental implants and cosmetic dentistry, including such dental treatments as veneers and whitening, it is not uncommon for dental insurance plans to not cover these procedures at all. However, this does vary amongst dental plans and dental insurance providers.

In addition to limiting payment of dental insurance claims to a certain percentage of the cost of the dental treatment, many dental insurance plans also have maximum annual limits of what the dental insurer will pay. Some dental plans also limit the amount of certain procedures per year, such as scaling (dental cleanings), which are usually limited to a certain number of units per calendar year (for example, 12 units per calendar year).

If you have two dental insurance plans (often referred to as “dual insurance”), then your primary insurance company will pay its portion of your dental treatment first, after which the secondary dental insurance will pay all or part of the balance, depending upon the policy of the dental insurer and your dental insurance plan.

It is responsibility of the patient to pay the patient balance owing after payment by the dental insurance company(ies).

To ensure that our patients are fully informed of the cost of their dental treatment, including their our-of-pocket expenses, we are always more than happy to request a pre-determination from the insurance company. A pre-determination is a statement from the insurer advising what portions of the proposed dental treatment will be paid by the insurer. We are also pleased to provide our patients with written estimates and, where possible, treatment options, to allow you to make an informed choice regarding your dental treatment.  

If you have any questions about what treatment procedures your dental insurance covers, or if you have any questions about your dental insurance generally, please call our Calgary dentist and our friendly and knowledgeable team members would be happy to answer your questions and provide any assistance necessary to help you understand your dental insurance coverage. 

If you are at our office for a dental emergency, if time allows given the nature of the emergency, at your request our Calgary dentist office will most certainly make every effort to pre-determine any proposed dental emergency treatment.

Yes, of course! If you have a copy of your insurance policy, send it to us by email or bring it along to your appointment and our Calgary dental team members would be happy to review your dental insurance policy with you and answer to the best of our ability any questions you may have. You can also submit a request for a review of your insurance below.

Please see the Government of Canada website for more information about the Canada Dental Benefit.

love your smile

Our Calgary dentist is always happy to request a pre-determination of your dental benefits on your behalf. If you are considering dental treatment but are wondering what your insurance benefits will cover, please call our Calgary dentist office or submit your dental insurance details below and our office will request a pre-determination of benefits on your behalf.

Do You Have a
Dental Emergency?

Things To Think About

Know Your Policy

and maximize your benefits

The better you know the terms of your dental insurance policy, the better you’ll be able to maximize its benefits. Ask our Calgary dentist team to help you maximize your insurance benefits by pre-determining your proposed dental treatment and reviewing your policy terms with you.

Keep Us Informed

let us know if your policy changes

As your circumstances change, your insurance coverage may change as well. If you’re about to change your employment or marital status or, if you are a young person leaving a parent’s insurance policy, be sure to let our Calgary dentist office know as soon as possible.

Plan Ahead

pre-determinations can take time

For most basic dental treatments our Calgary dentist office can pre-determine your benefits on the day of your appointment. For major dental procedures such as crowns, bridges and dental implants, however, your insurer can take several weeks to reply to a request for a pre-determination.



All information contained in this Calgary dentist website is for informational purposes only. It is not to be taken or used as a substitute for dental, medical or other professional advice, treatment or diagnosis. Always ask your dentist, physician or other healthcare professional for advice before making any decisions regarding or altering your oral or regular health care routine.

Reliance on any information provided in this Calgary dental website is solely at the user’s own risk. Dr. Dirk A. Thompson, D.D.S., Dirk A. Thompson Professional Corporation, Advance Your Health Dental and its employees (“DTPC”) make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the website or the related graphics, products, services, or other materials for any purpose. 

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