Dental Insurance & Payment Information for Calgary Families
Dental insurance can play an important role in supporting your child’s dental care costs. At BabyTooth, we do our best to make the process as simple as possible for Calgary families — from providing clear estimates before treatment begins to submitting predeterminations directly to your insurance provider. Whether you have coverage through your employer, a private plan, or none at all, our team is here to help you understand your options and make decisions based on what’s best for your child’s oral health.
How Dental Insurance Works at BabyTooth
Dental insurance can help with the cost of your child’s care, but every plan is different. Because of privacy laws and the wide range of plans available, we cannot know exactly what your insurance covers. It is also rare that insurance will cover 100% of the fees encountered at any dental office. Treatment decisions at BabyTooth are always based on what is best for your child’s long-term dental health, not on the limits of an insurance plan.
We’re a fee-for-service practice, which means you pay for the care your child receives. Our team provides clear estimates before any treatment and will happily help with insurance questions or claim submissions whenever possible.
Before starting treatment, we provide an estimate so you know what to expect. If you would like, we can also send a predetermination to your insurance company before treatment begins. Results are sent directly to you, either online or by mail.
Payment methods accepted
Cash
Debit
E-transfer
Visa
MasterCard,
American Express
What Does Dental Insurance Typically Cover?
Most dental insurance plans for children cover a portion of preventive treatments such as checkups and cleanings, X-rays, and fluoride treatments. Restorative treatments like fillings and crowns are often partially covered, while more complex procedures such as sedation dentistry or pulp therapy may have limited coverage depending on your plan. We always recommend contacting your insurance provider directly to understand your annual maximums, waiting periods, and coverage percentages before your child’s appointment.
What Is a Predetermination and Do I Need One?
A predetermination is an estimate submitted to your insurance company before treatment begins. It allows your provider to confirm what portion of the cost they will cover so there are no surprises after the appointment. At BabyTooth, we are happy to submit a predetermination on your behalf for any planned treatment. Results are sent directly to you either online or by mail, typically within a few weeks.
Alberta Child Health Benefit (ACHB)”
Families who qualify for the Alberta Child Health Benefit may be eligible for coverage of basic dental services for children. If you believe your family may qualify, we encourage you to contact Alberta Health Services or speak with our team — we can help you understand whether your child’s planned treatment may be covered under this program.
FAQs
Does BabyTooth accept my insurance plan?
BabyTooth works with most major dental insurance providers. As a fee-for-service practice, you pay at the time of your appointment and submit to your insurance for reimbursement. Our team is happy to provide itemized receipts and help with any paperwork. Contact us before your appointment if you have specific questions about your plan.
What if I don’t have dental insurance?
No insurance is no problem — many of our families pay out of pocket. We provide clear, itemized estimates before any treatment begins so you always know what to expect. We accept cash, debit, Visa, MasterCard, American Express, and e-transfer. Please speak with our team if you have concerns about costs — we’ll do our best to help you find a workable solution for your child’s care.
Are preventive treatments like checkups and fluoride covered by insurance?
Most insurance plans cover a significant portion of preventive treatments including routine checkups, cleanings, X-rays, and fluoride applications. These are typically the highest-covered category under most plans. We recommend contacting your provider to confirm your specific coverage levels and annual maximums.
How do I submit a dental insurance claim?
After your child’s appointment, BabyTooth provides a detailed receipt with all procedure codes required for your insurance submission. Most plans allow online submission through your provider’s portal or mobile app. If you need assistance understanding your receipt or completing your claim form, our front desk team is happy to help.
