Financial Policy

Payment & Insurance Information

At Cottage Country Dental, we understand that each patient’s oral health needs are unique. Treatment costs vary based on the care required and are determined after an examination and consultation with your dentist. Your dentist will review your medical and dental history, take any necessary x-rays, and perform either a comprehensive or limited exam to assess your condition. Following the exam, we will:

• Review findings and treatment options.
• Discuss estimated fees and payment options.
• Answer any questions you may have.

We believe treatment decisions should be a collaboration between you and your dental team. Our goal is to keep you informed and confident in your care. Once you approve your treatment plan (verbally or in writing), we’ll schedule your appointments and proceed with billing. We strive to ensure there are no surprises when it comes to costs.   If you have questions, please contact our Practice Manager at 705-645-4300.

Payment Policy

Cottage Country Dental is a fee-for-service office. Full payment is due at the time of service, unless prior arrangements have been made. We follow the Ontario Dental Association (ODA) Fee Guide, updated annually on January. We accept:  

• All major credit and debit cards, cash, and bank drafts.
• Personal cheques are no longer accepted unless authorized.

Tip: Use a rewards card to earn cashback or travel points.

Insurance Information

While dental insurance can help reduce out-of-pocket costs, patients are responsible for all treatment fees, regardless of insurance coverage.

Non-Assignment Policy

We are a non-assignment office (except for the Canadian Dental Care Plan). This means we do not accept direct payment from insurance companies.

• You pay us directly at the time of service.
• We submit your claim electronically on your behalf via CDAnet.
• Your insurance company reimburses you directly, often within a few days.

Due to the complexity and privacy regulations of insurance plans, this policy ensures smoother operations and aligns with Ontario Dental Association (ODA) recommendations.

Your Responsibility

• Bring all insurance cards and details to your appointment.
• Inform us of any changes to your coverage.
• Understand your plan’s coverage, limitations, and deductibles.

We can assist with:

• Submitting claims and pre-authorizations.
• Verifying coverage (upon request).
• Providing written estimates for all recommended treatment.

While we can help explain your benefits, we cannot guarantee coverage. Insurance plans are contracts between the patient, employer, and insurer.

In Summary:

• Treatment is based on your needs, not your insurance.
• You pay at the time of service.
• We’ll help you claim your insurance reimbursement.
• You remain in control of your care and coverage.

If you need assistance or have questions, our team is always happy to help. Please call us at 705-645-4300 or schedule a consultation with the Practice Manager.