Financial Information

Dental Insurance

We are pleased to assist our patients in obtaining their dental benefits by completing and submitting dental claim forms electronically on their behalf. Please note that each insurance company sets it’s fees independently and their fee guide may not exactly match the fee charged by a dental office. Any balance not paid by your dental insurance is your responsibility to pay at the time of treatment. Due to privacy laws, insurance companies will not release to us the details of your coverage. It is your responsibility to know your plan maximum and coverage details. We will be happy to help assist you in understanding your coverage information should you have questions regarding your treatment. We strongly recommend that ALL patients contact their insurance company to ensure you know and understand your coverage. You should ask the following:

  • What is your yearly plan maximum?
  • When is your insurance year end?
  • How much is remaining on your plan after your last visit? (Once your reach your yearly maximum the insurance will not pay for any more treatment and all costs incurred would be your responsibility.)
  • How many recall exams per year, number of units (insurance terms for amount of time) of scaling, number of units of polishing, frequency of radiographs, is their fluoride coverage?

*** Please remember, we recommend treatment based on your individual dental needs and to ensure your oral health and comfort. We do not recommend only completing treatment based on your dental insurance coverage.

Payment Options

For your convenience we accept cash, Visa, MasterCard and Interac.


If patients would like to know the cost of pending basic treatment, we would be happy to draw up an estimate for the total costs. This estimate is not a guarantee of payment from your insurance company.

Billing and Payment

As a courtesy to our patients, our office does direct bill to most insurance companies, however, the patient’s portion is due upon completion of treatment.

Nova Scotia Children’s Oral Health Program

MSI currently covers basic dental care for children from birth up to the end of the month in which they turn 15. Once a year, the MSI Children’s Oral Health Program covers:

  • One dental examination
  • Two x-rays
  • Fillings
  • One preventive service—for example, brushing and flossing instruction, and/or cleaning. This DOES NOT COVER SCALING.
  • Nutritional counseling

If your children are covered by a co-pay dental plan, MSI will pay the portion that you would normally pay for the basic dental services and treatments listed above. Sealant applications are also covered for molars that meet certain guidelines. In some cases, MSI also covers fluoride treatments (ONLY when there is “smooth surface” cavities). Check with your dental office to see if your child qualifies for a fluoride treatment paid for by MSI.

Special Consideration
MSI has a Special Consideration Option for parents of children with unique financial needs who do not meet program guidelines. This applies only to:

  • Children up to the end of the month when they have their 14th birthday
  • Children not covered by a private dental plan

For more information about the MSI Children’s Oral Health Program talk to your dentist or call:

Toll free: 1-888-846-9199
In HRM: 902-492-2111

Pre Authorizations

Our office will send a preauthorization or predetermination to your insurance company for any major treatment (crowns, bridges, night guards, dentures, etc.). This process is time intensive and the response from the insurance company normally takes about 4-6 weeks. Your insurance company will send the information directly to you. Please remember to bring all information regarding your dental coverage with you and to notify us with the insurance company’s rely so we may better aid you in understanding your coverage. Please note that a preauthorization is not a guarantee of payment from your insurance company. Your insurance must be active, you must not have reached your annual maximum and you must have fulfilled your deductible. Any of these reasons may affect the amount that your insurance will pay and the amount that you would be responsible for.

Contact us for an appointment today

Whether you’re an existing patient or a new patient, we look forward to helping look after your dental health!