Fees

Dental professional fees, at Clinic Michel A. Lavoie, are established according to the rates presented in the annual guide published by the “Association des chirurgiens dentistes du Québec”, being equal or inferior to what is indicated.

This guide serves as a reference and suggests a range of rates for each treatment, under normal conditions. However, dentists are not required to charge the proposed rates. They can determine the fee according to the treatment’s magnitude, complexity, technology used, etc.

Can I find out the treatment fees by phone?

Unfortunately, it is difficult to give a price by phone because each individual is unique and requires a different treatment. The dentist must first do a thorough exam, give a diagnosis and propose a treatment plan. During this visit, the dentist will inform you of the estimated the costs.

Payment terms

We accept these methods of payment:
Cash, Interac© debit,
Credit cards: Visa©, MasterCard©
& American Express©.

Care covered
by the Régie d'Assurance Maladie du Québec

There are services covered by Quebec’s Medicare, including oral surgery in a hospital. Some dental services for children under the age of 10 are also covered, such as: emergency exam, annual dental exam, x-rays, amalgam fillings (metallic) for posterior teeth, aesthetic material (white) fillings for front teeth and extractions.

However, the costs of cleaning, descaling, fluoride treatments and the sealing of pits and fissures are not covered by Medicare. Some treatments are also covered for income security beneficiaries.

“For more information regarding programs and treatments covered, refer to the brochure “Dental Service Coverage” on the website www.ramq.gouv.qc.ca.

Dental insurance

If you have dental insurance and your insurer allows it, we can send the claim electronically. Otherwise, you will need to submit your own request and claim forms. Electronic form submission allows for faster service and compensation. Some insurers assess the application and send results almost immediately. In this case, you only have to pay the portion of the fees that is not covered by your insurance. If the insurer evaluates the request later, you won’t get an immediate answer. You must therefore pay the total amount of the treatment done and wait for reimbursement from your insurance company. On your first visit, have your insurer’s coordinates, your policy and certificate number.

Insurance plans that reimburse dental expenses in full are rare. The contract often includes a franchise and a maximal annual amount that can be reimbursed.

The non-refundable portion has to be paid by the insured patient. The reimbursed percentage and conditions depend on your insurance policy, which was negotiated between the insurance company and your employer or yourself.

Treatment types that are covered, their frequency, reimbursement percentage, period of coverage and eligible costs are not known by your dentist and his staff. We submit a treatment plan in advance to your insurer to determine if the treatment is covered and to know the amount that needs to be paid by the patient.  However, the dentist is not responsible if the response by the insurance and refunded amount differ, the patient will still be required to pay any portion of the fees that are not covered.

When you agree with the proposed treatment, it is your responsibility to pay fees not covered by your insurance contract, regardless of the refund period, the amount or any reason of refusal.

Is it the same price if I don’t have insurance?
Fees are the same for all patients, with or without insurance.

Financing

Always having at heart everyone’s access to dental care, we offer the Accord D© financing program. This gives you the opportunity to spread payments for due fees over $500. You can receive the necessary care and pay according to your budget. We offer no-interest on financing plans of 6 and 12 months and low interest rates on plans of 24 and 48 months.

This is a second credit limit on a VISA Desjardins card, separate from the allocated limit if you already own a current VISA card. You always have the option to repay in full or in part before the end of the term, without penalty.

To get more info, we invite you to inquire with our staff at the front desk.

* Subject to approval by the Desjardins Credit Department.

Tax credit

Several expenses, such as dental treatments, are eligible as medical expenses. However, only the portion of medical expenses which was not reimbursed by an insurer is eligible.

In Quebec

You can claim a non-refundable tax credit if you paid medical expenses that exceed 3% of your net family income (your spouse’s income and yours). Medical expenses must have been paid during a period of 12 consecutive months for the family. Employer-paid insurance premiums may be eligible at the provincial level.

For more details or information, read the instructions in the «Tax Guides» of the right taxation year on this official government website:
www.revenuquebec.ca.

In Canada

A tax credit can be claimed for expenses that exceed the lesser of: 3% of your net income or an approximate amount of $2,050 (varies yearly). The spouse with the lower net income is therefore at an advantage to claim the medical expenses paid for the family. This credit reduces the taxes to pay.

For more details or information, read the instructions in the «Tax Guides» of the right taxation year on this official government website:
www.cra-arc.gc.ca