1000, avenue Victoria suite 40
Saint-Lambert (Québec), J4R 2T1
In Quebec, our health care system provides coverage of dental care for a certain fraction of the population only. Treatments are reimbursed to the dentist by the Régie de l’assurance maladie du Québec (RAMQ). Note that not all dental services are paid by the Régie and not everyone can benefit from that health insurance.
The majority of essential dental treatments are paid by the RAMQ for people entitled to covered services. On the other hand, the Government does not reimburse the cost of composite resin fillings on posterior teeth. Purely aesthetic restorations are not covered.
At any time, we will give you an estimation of the expected cost of the treatment.
Important: The costs of dental cleaning, scaling, and fluoride application are not covered by the Régie for children under age 10.
Quebec residents who are not eligible for RAMQ coverage fall into two categories:
IMPORTANT: In both cases, the uninsured costs may be eligible for a tax credit for medical expenses. Keep the remittance slip of your insurer and your receipts and give them to your accountant.
In Quebec, if you paid medical expenses exceeding 3% of your income or your spouse’s income and you comply with the conditions stipulated by Revenu Québec, you are entitled to a non-refundable tax credit.
In Canada, there is also a non-refundable medical expense tax credit.
Your employer may have negotiated lower fees for your insurance by opting for less coverage or refunds based on a prior year’s fee guide. Check with your insurer and tell them about your treatment plan.
The dentist will give you a treatment plan that includes the estimated costs.
For a specific clinic and a given period of time, dental rates are the same for all patients, insured or not.
Whether you have dental coverage or not, take some time to look at your treatment plan and do not hesitate to request additional clarification. There is a multitude of restrictions and particularities that are specific to each insurance contract. A conversation with your insurer may be necessary.