Netflix and filling?! Check out what’s inside modern dental offices!

Ok, we admit it. Netflix and filling is a thing we made up, but it’s a thing regardless!

Imagine your childhood dentist’s office. Was it white, sterile, and perhaps had a fish tank? The fish tank was meant to soothe you. If it didn’t, don’t worry, dentists have noticed. They’re now upping their game and investing more in providing the best dental experiences. Here are the top 4 things that the best dental offices have added to make the experience more comfortable.

  • Netflix  and Ceiling-Mounted TV

Take your mind off the X-rays, the scraping, and the polishing. When a Netflix episode is done, you’re finished with your appointment!

  • Noise-cancelling headphones

“Frank Underwood said what?!” – something you’ll never say on the dental chair.

  • Aromatherapy

Dentists know that 40% of people feel either moderately or extremely nervous when getting a dental procedure. Aromatherapy calms the mind, body, soul, and spirit.

  • Massage chairs

Uhh, massage chairs? ‘Nuff said.

Yeah, we just described a dental office, not a spa. Gone are the boring, maybe even frightful, memories of getting a checkup and cleaning. It’s time to expect more from your dental experience.

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Are there any dentists near you that have these features?

Probably! There’s one easy way to find out. Try our 30-second quiz to see dentists with these features near you! Quiz.

If there’s a Tinder for dentists, here are the top 3 things to look for in a dentist!

Did you know that 56% of people are worried that they would pick the wrong dentist? Fear no more. We are here to help you out. After surveying 1,000 people and reading countless online reviews, we noticed that there are only 3 things that make a great dental experience.

  1. Make sure the dentist’s “house” is livable → modern office

Is “clean” your only criteria for a dental office? Expect more. Going to the dentist shouldn’t be an uncomfortable experience. You should feel relaxed and even feel right at “home.” Dentists today are upgrading their offices to include ceiling-mounted TVs with Netflix, noise-cancelling headphones, and massage chairs.

  1. Make sure the dentist’s “family” is friendly → great staff

When you commit to one person, you commit to their whole family. You might even spend a lot of time with one of them. With dentistry, you’ll be with the hygienist a lot, and you’ll be communicating with the receptionist to settle your insurance information. So, make sure to meet the “family.”

  1. Make sure the dentist treats you right → caring and transparent

If the dentist wasn’t gentle on your mouth or you saw a dental bill that was more than expected, that’s not good . Keep an eye on traits like “care” and “honesty” when reading online reviews. They make or break the dental experience.

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Are you looking for a dentist now? Use our $50 gift card offer!

Oh, one last point! We’re not teasing you. There is a “Tinder for dentists.” Opencare is a great way to know more about the dentists near you. It tells you whether the dentist has massage chairs; it gives you a background of the staff members; and it has online reviews from actual patients! Find the right dentist for you and book an appointment online on Opencare.

Thinking of switching to a new dentist? 3 simple things that you need to do.

Switching to a new dentist isn’t complicated! There are only 3 things you need to do.

  1. Check whether your new dentist does direct billing.

If your new dentist does direct billing with your insurance, you don’t need to pay the total costs upfront. You only need to pay your co-payment, which is the portion of the total costs that you have to pay out of your pocket.

  1. Transfer X-rays to your new dentist.

Your new dentist will provide the necessary paperwork to transfer your X-rays from your old dentist.

  1. Fill out medical history and allergy forms.

These forms should be straight-forward, but it will take you approximately 15 minutes to complete during your first appointment with your new dentist.

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Are you looking for a dentist now? Use our $50 gift card offer!

If you are looking for a dentist now, Opencare is a great way to find a caring dentist that does direct billing! We also reward Opencare patients with a $50 gift card when they visit a new dentist. We do this because our mission is to encourage everyone to be more proactive about their health.

Book an appointment online today at Opencare!

Thinking of going to the dentist? Find out how much you need to pay. It’s simple.

Did you know that dentists follow a fee guide? If you don’t, you’re not alone. Only 30% of Torontonians know that. The Ontario Dental Association (ODA) has set this guide for all dentists to follow. The fee guide document isn’t the easiest to follow, so we broke it down for you.

Checkup and Cleaning Costs

First, check your dental coverage for checkup and cleaning in your insurance plan. As you can see from the table below, you can save significant amount of money if you have dental coverage. We will explain these costs further below.

Dental Coverage No Insurance 60% 70% 80% 90% 100%
Co-payment* $454 – $552 $182 – $221 $136 – $166 $91 – $110 $45 – $55 $0

*Co-payment is the portion of the total costs that you have to pay out of your pocket. For example, if you have 90% coverage, you need to pay $45 – $55 out of your pocket, and your insurance pays for the rest.

When you go for a full checkup and cleaning, you’ll likely need to do 5 procedures: complete oral exam, x-rays, cleaning, polishing, and floride. Each procedure has a price range. For example, with cleaning, the range is between $165 and $220. If you haven’t received a cleaning in a long time, you’ll need to pay a higher amount, because it will take a longer time for the hygienist to completely clean your teeth. (All the more reason to go every 6 months!) There is one way you can save though. If you have had X-rays taken within the past 18 months, you can request your X-rays to be transferred from your old dentist to your new dentist.

How much do you need to pay upfront?

If your dental office has direct billing with your insurance, it will bill the insurance directly, and you only need to pay your co-payment. If your dental office does not have direct billing, you will need to pay the total costs up front ($454 – $552), and your insurance will reimburse you the amount that you’re covered for.

Scenario – If you have 90% coverage:
Direct Billing – You only pay $45 – $55 upfront.

No Direct Billing – You need to pay $454 – $552 upfront, and you will get $409 – $497 back from your insurance usually around 2-5 business days later.

Costs of Other Procedures

The costs for other procedures are also listed in the fee guide. For example, a tooth extraction will cost about $141 or more. Given that dental cases differ widely from person to person, we highly suggest that you ask your dentist specifically how much it will cost you. Then, you can ask your insurance how much you’re covered for the specific procedure.

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Hope this guide has helped you understand how much you need to pay. We strive to create more transparency around insurance and costs, so if you have any other questions, let us know!

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Are you looking for a dentist now? Use our $50 gift card offer!

If you are looking for a dentist now, Opencare is a great way to find a caring dentist that does direct billing! We also reward Opencare patients with a $50 gift card when they visit a new dentist. We do this because our mission is to encourage everyone to be more proactive about their health.

Book an appointment online today at Opencare.

How much you need to pay + Opencare $50 gift card

Dental Coverage No Insurance 60% 70% 80% 90% 100%
Co-payment $454 – $552 $182 – $221 $136 – $166 $91 – $110 $45 – $55 $0
Co-payment – Opencare $50 gift card $404 – $502 $132 – $171 $86 – $116 $41 – $60 $0 – $5 $0

 

Health Benefits = Free Cash. 7 tips to squeeze the most out of your benefits!

The salary on your job offer is the most important, and we would argue insurance benefits is the second most important. There is a great quote by Patti Smith: “You can never pay too much for a peace of mind.” Well, with your work benefits, you may not need to pay for a peace at all. Here’s a brief guide to help you make the most out of your benefits.

You started your job and got a list of health plans. What now?
You need to start by selecting the plan that suits your needs. Employers often offer several tiers, and each tier includes different services or levels of coverage to accommodate every employee. For example, if you don’t think you need orthodontic treatments this year, then you should consider a lower-priced tier instead of paying for full coverage. If you need to get orthodontic treatments later on, you can upgrade your coverage when you renew your insurance information at the end of the year. Plan ahead and check your terms to make sure you’ll only pay to get access to specific services when you need them.

Tip: Don’t pay coverage for services you don’t plan on using.

Have a partner? Coordinate your benefits.
If your spouse or common-law partner is also paying for health insurance, pick the coverage that best fits your family’s needs and opt-out of the other one. However, if you’re expecting hefty health-related costs in the future, then you should keep both health insurance plans to take advantage of both benefits. Coordination of benefits allows your family to use both plans and to get reimbursed for eligible expenses when certain costs exceed your maximum coverage.

Tip: Coordinate your benefits with your partner.

Do you need to pay out of pocket for procedures?
Depending on your plan, you might. This is called coinsurance, or co-payment, which is the portion of the costs that you have to pay out of your pocket. Generally speaking, coinsurance can range from 20% of the costs for most plans, up to 50% for specific treatments.

Tip: Read your plan’s documentation carefully to learn which services incur higher coinsurance rates.

Always keep your receipts!
Keep your receipts for claiming costs from your health insurance, but also, you may be able to use them when filing your income taxes to lower your tax payment. Depending on your level of income and total health costs, you may be eligible to deduct the coinsurance portion of your medical expenses.

Here are some common eligible expenses:
· Dental services and implants
· Orthodontic work
· Eyeglasses and contact lenses
· Prescription drugs
· Qualified medical practitioner services (e.g. chiropractor)

Tip: keep your receipts for 1) health claims and 2) tax season.

How can you handle claims?
Some healthcare providers offer direct billing to the insurer so you don’t have to pay up front. But if your clinic does not offer this method, it’s not much of a big deal. Some clinics will instead submit the claim on your behalf, and will let you know whether you owe any amounts due to deductibles and maximums. The advantage of paying up front for your services is that most clinics accept credit cards. This allows you to accumulate a substantial amount of rewards or “travel miles” on your card. You will likely receive your insurance reimbursement before you even receive your credit card bill. In the event you need to submit a claim yourself, insurers now allow you to file online or through a mobile app, expediting the reimbursement process.

Tip: Don’t postpone your claim, there may be a time limit to submit it.

Plan to change jobs?
If you are about to switch employers, use up the remainder of your coverage before you leave. At your new job, you might need to wait a period of time before you can use your health benefits.

Tip: When switching employers, don’t leave unclaimed benefits behind! (Use your free massage benefits!)

Planning is key
Most health insurance plans reset your spending limits on a yearly basis, usually at the end of the calendar year. If you don’t use your benefits, you will lose them. Make sure to plan your appointments ahead, so you can max your benefits every year. You should also keep track of when you last claimed expenses. For example, with eyeglasses or contact lenses expenses, you are only covered for a pair every two years. By keeping track, you could avoid paying 100% of the cost out of pocket.

Tip: Schedule appointments ahead, and keep track of your expenses!

Hope this guide has helped you understand your insurance a bit better. Stay healthy!

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Know a friend who needs a dentist?

Invite your friend to use Opencare, and both of you will each get $50 after their dentist appointment. Invite friend here.