No. The waiving of a co-payment is insurance fraud and is against the law.
The dentist could be heavily fined or even lose their license. When you and your dentist sign the claim form that goes to the insurance company, you are stating which services were provided and how much, in total, was charged. The insurance company pays its share based upon the assumption that you will do the same.
Like many Canadians, you may have a dental plan through your employer, union or provincial government.
Patients need to be aware that a dental plan and a treatment plan are two different things:
1. A dental plan is a means to help you to pay for your dental treatment.
2. A treatment plan is the personal plan you and your dentist develop together to meet your oral health needs. It serves as your road map to good oral health and should not be limited by what a dental plan will cover.
If you have a dental plan: It’s up to you as a full partner in your oral health care to know how your plan works. Read the booklet or other materials available from your provider. Your co-payment is the part of the bill you won’t be reimbursed for.
You need to understand what your plan covers and the extent of the coverage.