How to Finance Orthodontics in Quebec: Complete Guide to Insurance and Payment Options

Understanding Orthodontic Treatment Financing in Quebec

Orthodontics represents a significant investment in your oral health and self-confidence. At Dr. David Benguira's Orthodontic Centre, we believe every patient deserves access to a healthy smile. That's why we guide you through the various financing options available in Quebec.

Private Insurance Coverage

What Insurance Typically Covers

Most group insurance plans in Quebec offer orthodontic coverage, although amounts vary considerably:

• Typical coverage: Between $1,500 and $3,000 lifetime for orthodontics
• Age limit: Some plans limit coverage to those under 18
• Reimbursement percentage: Generally 50% to 80% of eligible expenses
• Annual vs. lifetime maximum: Important to distinguish between these two types of limits

How to Maximize Your Reimbursements

Verify your coverage before starting treatment

• Request a detailed statement of your orthodontic benefits
• Confirm if coverage is per person or per family
• Check for any waiting periods

Coordinate insurance if you have multiple plans

• Spouse's coverage as a complement
• Possibility of claiming the unreimbursed portion
• Our team can help you optimize coordination

Flexible Payment Options

Financing Plans Offered at the Clinic

We understand that the cost of orthodontic treatment can represent a financial challenge. That's why we offer:

• Monthly payments spread over the duration of treatment
• No interest for internal payment plans
• Flexible initial deposit based on your situation
• Possibility of adjustment in case of changing circumstances

External Financing

For larger treatments, external financing options exist:

• Specialized medical financing programs
• Personal lines of credit at advantageous rates
• Programs offered by certain financial institutions for healthcare

Tax Credits for Medical Expenses

At the Federal Level

Orthodontic expenses are eligible as medical expenses for the federal tax credit:

• Applicable to expenses exceeding 3% of your net income (or $2,635 in 2024)
• Non-refundable credit of 15% on the eligible portion
• Can be claimed by either spouse

At the Provincial Level (Quebec)

Quebec also offers a tax credit for medical expenses:

• Credit rate varies according to family income
• Refundable for families with more modest incomes
• Cumulative with the federal credit

Practical Tips for Financial Planning

Before Starting Treatment

1. Get a detailed quote during your free consultation
2. Contact your insurer to know your exact coverage
3. Plan the start of treatment strategically (beginning of calendar year if you have an annual maximum)
4. Consider the tax timing to maximize your deductions

During Treatment

• Keep all your receipts and payment statements
• Submit your insurance claims regularly
• Keep track of payments for your tax return

Our Commitment: Accessibility

At Dr. David Benguira's Orthodontic Centre, we believe that financial constraints should not prevent access to quality orthodontic care. That's why:

• Free initial consultation including evaluation and quote
• Total transparency on costs before treatment begins
• Flexibility in payment terms
• Support to optimize your insurance reimbursements

Next Steps

Do you have questions about financing your orthodontic treatment? Our team is here to help you. During your free consultation, we can:

• Establish a personalized treatment plan
• Provide you with a detailed quote
• Discuss payment options suited to your situation
• Guide you in coordinating with your insurance

Schedule an appointment today to discover how to make your orthodontic treatment accessible.