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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

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.

Usual & Customary Fee List (dental)

The usual and customary fee list is a provincial or insurer-based schedule that outlines standard dental fees used to determine reimbursement. Insurers use this list to calculate the amount payable for each procedure, regardless of what your dentist charges.

Coverage / Benefit

Coverage, sometimes referred to as a benefit, is the range of health or dental services, supplies, or treatments that your insurance plan agrees to pay for under its terms and conditions. Each benefit represents a category of care, such as prescription drugs, dental services, vision care, or paramedical treatments.

Per Person / Per Family

Per person and per family describe how benefit limits, deductibles, or maximums are applied within a health or dental insurance plan. A per person limit means the specified amount applies individually to each insured member, while a per family limit represents the total combined coverage for all members under one policy.

Combined Dental Maximum

A combined dental maximum is the shared annual limit your insurance plan will pay for multiple categories of dental services grouped together under one total. Instead of assigning separate dollar caps to preventive, basic, and restorative care, the insurer combines them into a single yearly maximum. Once that combined amount is reached, no further reimbursement is available for any of those services until the next benefit period.

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