Dear Nancy,

Every time I visit the dentist, I have to pay up front and get reimbursed through my dental insurance. Why doesn't my dentist just accept payment from my employer's dental insurance?

Dear Confounded,

This is a good question for those who have insurance coverage which WILL NOT pay your dentist directly.

There is a percentage of employers who have chosen for insurance claims to be paid directly to the employee. Some examples are the federal government, Bell Canada, Royal Bank and Durham College.  This decision is made by your employer, and while it can be an inconvenience, it is a choice that you can only affect by talking with your employer or union.

Read More: Why is There a Balance When I Visit the Dentist?

The immediate solution for this particular situation is to pay the dentist "up front". Most offices accept debit, cheque, cash and credit cards. The receptionist can submit the claim electronically for you, and you will be reimbursed within days.  This will avoid extra costs such as the gas or postage you will use to get the cheque back to the dental office.  It can also have the benefit of giving reward points or air miles on your credit card. Importantly, by the time the charge shows on your credit card statement, you would have already applied the insurance cheque, incurring no interest.

I hope I have been helpful in answering your question. Feel free to stop in and visit if we can be of any other assistance!