Dental deductions from Canadian income tax?

I need to have extensive dental work done in the near future. The cost of all this is around 18 thousand dollars. None of the work will be covered by any insurance. I was told this could be deduction on my income tax. Does that mean I will get that entire amount back or deducted from my taxable income? We will suppose a taxable income of 75 thousand. Can someone give me a figure or two? Canadian information only please.
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The medical expenses above $2011 will convert to a non-refundable tax credit, at 15% of the amount on your federal tax and the lowest provincial tax bracket. In Ontario, this would mean a $3365 credit on your taxes. http://www.cra-arc.gc.ca/E/pub/tg/5000-g…
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Is there any place that gives financial aid for dental?

I am trying to get into Alabama Rehabilitation Center to get job training, but its not come through yet. I don't have a job nor insurance. Please help,thank you.
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schools.medianewsonline.com - it has detailed info how to apply for financial aid and scholarships to get more cash.
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I need to get my wisdom teeth removed and have insurance. Will insurance cover the removal? Im from Canada.?

Hi, im an 18 year old from Canada and just got back from the dentist. I have dental insurance, and the dentist said i will need to get my wisdom teeth removed ASAP because 2 are impacted but the other 2 are not, my question is... Will the removal of my wisdom teeth be covered by the insurance? or is it considered cosmetic surgury? Cosmetic surgury isnt covered under our plan. (i have a chipped tooth from hockey, it is not covered by the plan.) thanks for your time.
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It depends on the type of insurance you have. Most insurances will cover all of the expenses. Might want to get that checked out before-hand. Good luck
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wisdom teeth and no insurance!?

I have had a wisdom tooth for a while. About three days ago it started to hurt. The gum around it hurts, it is difficult to open my mouth the entire way because my jaw hurts and my neck/throat on this side it is on hurts/feels tender. I don't know if the tooth is just coming in more and it will stop hurting soon or if this is something else. Does any of this sound "normal" to you? Is there a chance that this will go away? I don't know how you tell if it is impacted or whatever. I don't have dental insurance and don't know what to do. I live in NJ, am 24 year old student.
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I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online about 3 years ago now for all my dental work. They have saved me thousands throughout the years from Root Canals, extractions, exams, x-rays, cleanings…etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and able to use them the same day. No contracts or limits. Good Luck and Hope the Helps.
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TMJ - not covered under insurance, now what?

I have been going through hell for the last couple months, pain in my neck and shoulder muscles, my ears have felt like they are plugged along with pain in my ears. My jaw has always popped and clicked, now thanks to unwelcome stress I have noticed that I really clench my jaw! I went to my primary and had my ears checked, went to an ENT and had them checked again and he said it all comes down to TMJ most likely! So now after several calls, neither my medical nor dental insurance will cover TMJ treatments, they will cover everything up until the doctor/dentist diagnoses me with TMJ. Now what?
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oh,,, so sorry there is nothing you can do...no coverage. It happened to me too. However it went away .thankfully. you can relieve the pain. no chewing gum no excessive talking...LOL. no eating steak. or things that are very chewy.. eventually it will dissipate
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How much would invisalign teens cost for me?

ok, my mom said she have dental insurance. im 15 and im trying to get my teeth straight and loose the over bite this is what my teeth look like.................. how much will they cost? http://www.invisalign.com/teen/ForYou/Pages/ForYou.aspx the second picture with a mix of a over bite.
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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Do you understand that social security isn't welfare, it's insurance we bought with OUR money....?

Do you understand that buying retirement and disability insurance, is no different than buying dental insurance, or fire insurance or car insurance? Can you not see that we payed for a product, and the government stole the money we gave them to hold for it and now instead of putting it back they just want to lie about it, say it's a "bad thing' , and trick the populace into idiotically going along with that, instead? Can you not see that? I'm really angry They just cut what little income the poorest people in the nation have to struggle to live miserably on, because through no fault of their own, they got sick and disabled but had responsibly bought insurance in case this happened, but now LYING THIEVES just stole some of their money (as if the hyper-rich people need more , do they need more money? do they not have enough? do you believe sick people should forcibly have to give it to them, and just buy kidney beans instead of meat from now on?????
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Regarding what mbrcatz said, you revealed some artificial bias when you said "democrats" did the money stealing its just not a true statement..both parties greedily grabbed every penny however I truly appreciate you putting in the time and effort to express your view and make it understood like that. I cant accept that the notion of the numbers being impossible (as you described) is anything but that very "lie" that the asker speaks of (ie, the claim that its a faulty system, welfarish, and unfair... the politicians are just passing that around to deflect folks from the truth that they stole our money, and should put it back. the system is NOT broke because "it doesn't take in as much as goes out" (and if it isnt taking enough in, well, raise the rates, that's how insurance works) the system is broke because it got raided the "extra" money that was there surely would have greatly reduced any shortfall occurring as the baby boom starts retiring, and from there as I said, with any type of insurance, you raise the rates responsibly to wherever they need to be i wouldn't put it past the congress to know damn well that by not raising them, it'd create this mess even further -so they did this knowingly, knowing that it would help their scuzzy plans to raid the system,scuttle it, vilify it publicly with lies, then get rid of it -having made a huge profit, and succeeded in vilifying the "other party" so they could get into office in the first place. (they don't care what "issue" they create in peoples minds..like abortion, for example..you think they actually CARE about that? they don't! but they have "thinktanks" where, like a carefully orchestrated chess game, it is figured out what they can say to get the desired effect, and get the job done. thats all this is and its poor bashing too and what could be more unconscionable than that? -to vilify the sickly, to gain support for leaving them entirely derelict in the street that's what all that "ssdi is welfare" and "SO MANY" are "getting it when they could work (no they aren't, its incredibly HARD to get on social security!!! you HAVE TO be bonafide to even get to apply!!~ and then you have to have multiple doctors swearing legally on paper that you're so sick you cant function normally and doctors will NOT falsify paperwork doctors works hard to get to where they are they make good money and they don't want to risk that for nothing so I don't see where all this alleged "welfare fraud" is even POSSIBLE so as for the sick and the old leaching unfairly off those who work, all i can say to that malignant notion is--> What will happen to these "unfairly put upon working people" when THEY retire? its like you said, insurance is about spreading the risk if they didn't happen to get sick, let them thank their god and enjoy their health why would people who have the good life suggest that sick people should be left to what, die? live on the sidewalk?
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My dentist wants me to pay up front and have my insurance company reimburse ME?

I just went to the dentist today and had a filling. I have dental insurance, but the dentist wanted payment up front for the services. The receptionist said they require payment in full for the services on the day of service, and then they will send the insurance claim in to the company and eventually I will receive a reimbursement check. Isn't that what INSURANCE IS FOR??? So you DON'T have to pay????? I don't handle the cash in my family, so after much arguing about requiring payment up front, the receptionist agreed to let me walk out withouth paying, but expects me to have my husband pay by tomorrow. It just doesn't seem right that the dentist gets cash up front for the work, and then makes ME wait to get reimbursed by the insurance company... what the heck?
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If your dentist is not a "Participating Provider" the insurance check from Blue Cross Blue Shield is automatically sent to the subscriber. Most offices work similar to what your dentist does, but usually they require 50% down and the remaining balance at the time of insertion or completion. The insurance cannot be submitted until the work is complete and Blue Cross Blue Shield usually pays within 7 days. They are one of the fastest insurance payors I have ever dealt with. They will not pay for all your procedures at 100% though, so you won't receive a check reimbursing you the entire cost and they usually have a $1500.00 calendar year maximum. Dental insurance is not medical insurance so most offices are similar to the one you are going to. Some offices have these policies because patients have taken the insurance money and never paid for the services rendered. People don't realize how far they are asking their dentist to trust them. In our office if you are an established patient for a couple of years we will allow payment plans, but they are usually only 3-6 months out, anything longer and people tend to forget to pay us and then we end up sending the account to collection.
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Is it normal to have bleeding gums when pregnant?

I am 6 months pregnant and everytime i brush my teeth my gums bleed. I do not have dental insurance and I have no money to go to the dentist I am saving money for the baby. Is it normal just want to know if it happened to any other pregnant moms. My gums never bled before when i brushed. Thanks
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Yes it does happen that your gums bleed. I would suggest that you use a mouth wash and a soft bristle tooth brush. There have been surveys done that now say that heart disease can be caused by the bacteria that get into your blood stream from bleeding gums. I do not say it is an emergency but please look after yourself and try to get to see a dentist at some point in the not too distant future.
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Can they leave part of a wisdom tooth on accident?

I had my wisdom teeth removed quite awhile ago...probably 7 or 8 yrs. Lately though, at the very back of my gums (where they were removed) It feels like a tooth is trying to cut. It hurts and i can feel something hard there (not just the bone). I dont have dental insurance, so id prefer to wait it out unless im gonna die from it or somethin...but can they like leave a little piece or something that could now be trying to cut? Or would this be something unrelated? And i do take very good care of my teeth and gums, no cavaties or anything ever. Thanks!
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Yes. I had my wisdom teeth removed 10 years and 20 years ago. The 20 year ago surgery resulted in a piece of my wisdom tooth being left behind. I had that removed when I had the 10 year surgery. It may not be a piece of your wisdom tooth, but you may have some irriation with the tooth next to where your wisdom is suppose to be. I would try a dental school for an example since you don't have insurance. Good luck.
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No health insurance, abscess tooth......?

I have an abscess tooth (I think) from when my mom had me on the government health insurance, and couldn't (or would) pay for me to get a root canal about 4 years ago, and now it has come back to haunt me.I have no dental insurance, I actually just lost my job (and my insurance) and I wanted to know should I pay for a dental insurance plan and then go to the dentist, or what. I'm used to having insurance, but When I look at the plans most of them, don't offer help in paying for the visit until like 3 months. How should I go about this, I plan on going to the dentist ASAP! I have the money to pay for the entire surgery upfront, but if I could save, it'd be better. Thanks!
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I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up onlne over 5 years ago now and they have saved me thousands of dollars since on all services. From root canals, crowns, xrays...etc. Even my braces. They even had my very affordable plan active in 2 hours and was able to use it the very same day. good luck and hope this helps.
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How much should I expect to pay for health insurance?

I found a plan that is about $110 per month that includes a discount dental and vision plan. The deductible is on the high end at $7,000 but I'm a 24 year old, healthy college student so the lower premium is more important than the deductible. It also includes $10 generic prescriptions and 25% payment on brand name prescriptions. Is $110 a good rate for this kind of plan?
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Yep, that's a pretty good rate. YOu might be able to ditch the dental and vision to cut it down further, but a LOW deductible plan should run you around $250 a month. A local agent might be able to meet the price, with a slightly lower deductible (like maybe $5K), but what you have there isn't bad.
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What dental options do I have?

I was born missing the tooth to the left of my two front and on the otherside to the right I have a deformed tooth. Over the past 6-7 years I've been getting regular bonding for my two front to correctly match the bridge I currently have in place. I recently got a crown for the deformed tooth but my dentist told me ultimately I would need a dental implant, two veneers and the crown. I only have dental insurance with my parents for two more years and would like to weigh options on what my best bet is on what to do. I found out my insurance does not cover an implant, but is there any way around this? The bridge works cosmeticly of course but has caused damaged to my surrounding teeth as well as I have a hollowed out appearence along my gum because there's no root of a tooth. So what are my best options at this point? I'm looking for a long term solution so I won't have to visit my dentist every month for upkeep. Thanks!
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I think if you are genetically missing your tooth insurance should cover. Make sure they know you were born without - not that you didnt take care of it. I would say find a dentist that knows how to get your issues covered....sorry.
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Aetna Dental Plan: DMO vs. Secure T (PPO) which one is better?

I'm being offered Aetna dental plan by my employer during the open enrollment period. This is my first time getting the dental insurance for myself and my spouse. We both need extensive work that would cost around $3500 each. I don't know which plan is better for us and would save us money. I would really appreciate your advice. The Secure T plan has an annual deductible of $50 (individual) and $100 (family). Annual Maximum is $1,500/individual. There is no copay for office visit and it covers 100% preventive care, 80% Basic Services, and 50% major services after deductible. The Aetna DMO uses only DMO dentists. There is no calender year deductible and annual maximum. There is $5 copay. Preventive Care: No charge (copay may apply to certain procedures); Basic Services: covered after applicable copay (copay varies by procedure); and Major Services: covered after applicable copay (copay varies by procedure). I don't know what annual maximum and calender year deductible mean. If I choose to go with DMO, would I covered for basic and major services after $5 copay? I don't understand insurance plans as it is my first time applying for one. Please help!
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The annual maximum is the most the policy will pay, regardless of how much work you have done. The calendar year deductible is the amount you have to pay out of your own pocket each year, before the insurance company pays anything. In your case, you have $3500 of work ahead of you. Under the Secure T plan, you have an annual deductible of $50. That means that the first $50 of charges for the year are not covered--you pay them. After that, they pay 50 percent of "major services," which probably includes whatever it is that you are having. You pay the other 50 percent. So, to break it down a little bit, look at the first $1000: you pay $50 (that deductible) plus 1/2 of the remaining $950, or $475. The insurance pays $475. For the next $1000, you each pay 1/2, that is, $500. Third thousand, is the same--$500 each. But at this point, the insurance will have paid $450 + $500 + $500, or $1475. The maximum is $1500, so for the rest of your expenses (the last $500), they will pay only $25. After they get to that point, everything else is on you. Also, your question says they pay 50% "after deductible," so check to see if there is a *second* deductible that applies to major services, separate from the annual deductible. For the Aetna plan, there is no annual deductible. Instead, they work on a copay basis, which means you pay part of the cost for each procedure. You will have to look at their schedule to see what the copays are for the procedures you are facing. It is not as simple -- or as cheap -- as just paying $5 copay per visit. There is an additional copay per procedure. Yeah, it's complicated, but I hope this helps.
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dental Help?

i am 12 and my teeth need some help i want braces bad but my dad wont pay for then he is reatried out the miltairy so should i just pay for them when i turn 16 when i get my frist and i dont have dental insurance and i also have a chipped tooth and is 16 to late to get braces help
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Well , age 16 not really a problem would have them on maybe no more than 4 years at the most ..And do not worry, guys don't mind girls with braces ..We see the image from the inside..Best Wishes!
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Dental advice about treatment plan?

I am attempting to overcome a HUGE dental phobia. I've had a consultation, and the dentist has given me a gameplan, which I agree with. I am to get a full upper denture, and partial lower. He is able to save 11 teeth on the bottom, I need 3 fillings and a good cleaning, but that's it. I have fairly good dental insurance, but this is going to be costly, and I cannot afford a lot out of pocket. I am planning to ask that we wait on the bottom partial (which will include 4 extractions). I will basically have to wait for my insurance to reset in January 2011, the rest of the work that is to be done will be covered through 2009 and 2010 benefits. And honestly, my bottom teeth do not cause me any pain or embarrasment. The top teeth are where I have most of my major issues. I realize this is not ideal, but will my dentist argue? In the end, I am the one who has to pay for all of this, so I am hoping he understand that, from my perspective, it is much better to do this when I can afford it, rather than doing nothing at all (which is what I was doing for many years!).
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Dentists are very used to dealing with this sort of issue. He won't be the least bit surprised or offended if you bring it up for discussion. I just went through a similar issue with my dentist. I could not afford to have everything done this year, and we worked out a plan for what needed to be done now, and what can wait until 2010. It was a good discussion, because his recommendations for what to do first were different from what I would have expected. Anyway, your dentist will be able to give you some guidance. Most people have no dental insurance at all and pay right out of pocket. So this kind of issue comes up all the time. Good luck!!
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I need to know if there a medical insurance that covers everything for myself and my son?

Medical, dental, hosipitalization, x-rays, perscriptions in the Georgia that can be covered throughtout the United States? In case of an emergency when we go out of town or just hanging around the town!
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on the insurance card is a phone number. most of the time you can call with coverage questions they are happy to answer... i have had different companies in different states that cover different things. my insurance also gives the option for vision, dental, prescriptions, and extra hospitalization, and so on... good luck i miss read your question. what insurance is avalible at your work?
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Why would a dentist get mad because I refused to have a dental x-ray?

I have no insurance and x-rays add up to $100 to a regular cleaning.
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Because he can't tell if there's anything wrong, rotting, or in danger of being so. I also believe it is a liability for them if they do a cleaning on your mouth and your teeth fall out or something starts to hurt really bad, because they went around doing stuff and knocked something loose by cleaning it.
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Dental cleaning? scam or not?

This is my recent experience to a dentist. I got a quote for deep cleaning + antibiotics, which cost $1050 WITH dental insurance. Of course it's different from the cost from the insurance provider that we found they put some extra drug in that's not covered. That said, if I want to not do the antibiotics (which I thought was optional as I have no symptoms/pain), they don't want to do the deep cleaning and want me to see a gum specialist instead. Another alternative is to have dental cleaning every 3 months (that's what I was told) to keep it clean. My quick Google research on "Evidence based dentistry" didn't support any of these. Now, does it sounds like a scam to you?
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Deep cleanings and antibiotics do cost more. It sounds like your teeth are really bad. If you dont like how much you are paying there then visit a different dental office. They all have different fees. Also if you need your teeth cleaned every 3 months I suggest (if you have time say you dont work 1 day a week or work half days) go to a dental college or dental hygiene college. Cleanings at the dental hygiene college I went to cost people from the public 25 dollars (even for deep cleanings) because we were students, not being paid. Also it took 4 hours or several 4 hour appointments to complete the cleaning on 1 patient because we were students learning. Check out www.ada.org for dental colleges or dental hygiene programs and call them and visit their clinics IF you have extra time (4 hours in a day at least) to go in.
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insurance??

okay, so i'm getting my wisdom teeth out in may...but i got a check up and was told since they have to cut my gum and part of my jaw, my dental insurance won't cover it...but medical insurance should...however, there's this $500 i have to pay first...can i send that $500 bill to my medical insurance to see how much they'll pay first? or is it a deductible?? and what's the difference?
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It sounds like a annual deductible and no, you don't send it directly to your insurance. It is paid right to the medical provider. On a $500 deductible you have to pay that much first in the year before the insurance pays for anything (usually excepting maintenance visits). This does not count copays. So, if you go to the doctor and are sick and need a lab or xray done or something like that then you would have already met part or all of your deductible. If you haven't met anything all year towards it then you would pay the $500 in one shot on your wisdom teeth. A lot of people think that just because somethings in your mouth it automatically is covered under dental insurance and this is not correct. Almost always (unless its a simple extraction) wisdom teeth are under your major medical plan because you see a oral surgeon, not a regular dentist. You should call your medical insurance and ask "if anything has been met of your 2008 deductible". If yes, then it will cost less for you to have your teeth done.
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Health Insurance Question?

I got my wisdom teeth taken out last summer, and here is what happened. I turned 23 a week before the operation, and my dental insurance policy ended on my birthday. My dentist's office called the insurance company, and they also did not realize I was not covered, so they told the dentist to go ahead and do the operation because I was covered. Now, 6 months later, they notified me that I was not covered, which is true, but they put me under the pretense that I was covered before the operation. Is the insurance company responsible for telling me I was covered when I wasn't?
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Nope. You should have been aware that your coverage would be ending as of your 23rd birthday. It was your responsibility to make sure that you scheduled the surgery before your coverage ended. There can be some lag time in updating a system to show a termination, which is why there is always a disclaimer that any quote is subject to the benefits being in effect for the date of services. If your policy was canceled, you have no grounds for an appeal or dispute. Eligibility issues are pretty cut and dried - either your policy was active on the date the services were performed, or it wasn't. Unfortunately, you'll be responsible for the entire bill. Try working out a payment plan with the dentist.
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I would like to learn insurance?

I am currenlty working for an insurance company that specializes in insurance for commercial accounts. I'm the receptionist so I really don't do much. I would like to take on more responsibility but here you do not get respect without a liscense. My boss will pay for my classes but I don't know the first thing about insurance. From what I hear we deal with general liability, fiduciary liability, d&o, life, commercial auto, and workers comp. Also we have a dental department. Before I go into my classes I would like to know the basics is there a place online that can help me, or a book I can pick up somewhere? Thanks for the help guys.
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Get your license right away. Go take the classes that your boss is going to pay for. They are pretty easy. Being that your company handles both P&C and Life, tell them that you want to get both licenses. This will make you more valuable. I think I did my studying through Dearborn, but there are several good companies to use.
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I need dental treatment?

Hi everyone. Ive just started going to the dentist i had to sign up to private as couldnt get a place on nhs. I had 2 fillings the other day and it cost me £131.00 (ouch) im need some more work done, do you thing dental insurance would help and if so which is the best dental insurance i should sign up with? Thanks
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A dentist won't sign you onto any insurance policy until your dental health is up to scratch. That is, you can't get accepted if you have work which needs doing. You get the work done and then sign up...
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I don't have insurance and I will soon need dental work and pretty sure my GB surgery.?

I don't have money for a regular doc's visit let alone to have lab work etc done. I don't even have any money to save up for anything like this. I prefer not to use the ER. I have never been to an ER but I know it's way expensive. I know nothing about medical costs or how people go about getting medical things taken care of or even how the ER stuff really works. I haven't been to a doc for like 10 years. Are there any pointers anyone could give me? Any insight? Maybe a possible solution even if it's not the most desirable.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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