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Dental Fee Guide

A dental fee guide is a provincially issued schedule that lists the standard or recommended prices for dental procedures. Each province and territory in Canada publishes its own guide annually, outlining suggested fees for everything from cleanings and fillings to crowns and dentures.

Insurance companies use these guides to determine how much they will reimburse for dental services. When a dentist charges more than the fee listed in the guide, the plan reimburses based on the guide’s rate, and the patient pays the difference.

While most insurers follow the guide from the province where the dental service is performed, some use their own internal pricing schedules or may reimburse based on a prior year’s guide. Understanding your plan’s reference guide helps you anticipate potential out-of-pocket costs before treatment.

Example:

If the Alberta Dental Fee Guide lists $210 for a filling and your dentist charges $240, your plan reimburses based on the $210 rate. You would pay the remaining $30 yourself.

What to Watch For:

Ask your dentist whether their fees align with your province’s current guide. Fee guides change annually, and some insurers take several months to update their reimbursement tables. When receiving treatment outside your home province, confirm which guide your plan uses for reimbursement.

Related Terms

Deductible

A deductible is the fixed dollar amount you must pay each benefit year before your plan starts reimbursing eligible expenses. Think of it as your yearly participation in costs - once met, your plan covers claims according to its coinsurance. Some individual health plans in Canada have no annual deductible, while others apply one only to certain benefits (often $25–$100 per person).

Dental Accident

A dental accident is a sudden, unexpected event that causes injury to the mouth, teeth, or jaw, resulting from an external force rather than from decay, chewing, or normal use. Examples include being struck in the face, falling and hitting your mouth, or suffering an impact during sports. Dental accident coverage helps pay for the repair or replacement of natural teeth damaged in such incidents.

Dental Insurance

Dental insurance is a type of health coverage that helps pay for the cost of preventive, basic, and major dental services. It is designed to make oral care more affordable and to encourage regular checkups that prevent costly procedures later on. Dental insurance is offered through group employee benefits, individual plans, or conversion plans for people leaving workplace coverage.

Dentist

A dentist is a licensed healthcare professional who diagnoses, treats, and helps prevent conditions affecting the teeth, gums, and mouth. Dentists play a key role in maintaining oral health through preventive care, restorative treatments, and patient education. Common services include cleanings, fillings, crowns, root canals, extractions, and oral examinations.

Dependent

A dependent is a person, usually a family member, who qualifies for coverage under someone else’s insurance plan. Dependents are typically the spouse or children of the primary insured person, also known as the plan member or policyholder. Some plans may also cover other individuals who rely on the plan member for financial support, such as a common-law partner or a child with a permanent disability.

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