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How can I Find Reliable Dental Cover in Australia?

An ideal dental extras policy should cater to your health needs across prevantative, general, and major dental. From check-ups and cleans, fillings and extractions, to crowns, implants, and orthodontics. Trust Fair Health Care to provide you with expert guidance and a range of informed options to choose from.
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Dental Cover in Australia

It’s vital to your overall health to have good oral hygiene, yet many Australians have untreated tooth issues. The average expenditure on dental services is over $200 per year. You might not love going to the dentist, but we can make sure you love the returns you get. Your best bet with dental depends on your individual needs, and every insurer has its own pros and cons in Australia. Some companies offer flexible limits, and others have shorter waiting periods. Talk to one of our friendly advisors today to find the best dental insurance plan for you.

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How Many Levels of Dental Cover Are Available To Choose From?

In dental policies that cover extras, you can expect to have access to a range of services that typically fall into four categories:

This category usually includes routine and preventative treatments like check-ups, cleanings, fillings, x-rays, tooth extractions, or even teeth whitening. All you need to do to get coverage for general dental treatments is taking out an extras policy and serving any applicable waiting periods before getting any treatments.

Major dental cover in Australia provides more extensive coverage for complex and costly dental procedures. This type of cover is ideal for individuals who require more complex and expensive procedures like tooth extraction, wisdom teeth removal, complex fillings, crowns and bridges, veneers, and dentures.
Endodontic is a practice of treatment for the soft tissue of teeth that includes:

– Root canal therapy: a dental procedure that can save a cracked or damaged tooth by removing the inflamed or infected tissue inside the tooth.
– Periodontics: treatment of gum tissue diseases like gingivitis, infection, and inflammation.
Orthodontics is the treatment used to fix misaligned teeth or jaws, often with the use of braces or Invisalign. If you’re looking for orthodontic treatment coverage, keep in mind that it usually comes with longer waiting periods and is typically included in higher levels of cover.

How Many Levels of Dental Cover Are Available To Choose From?

In dental policies that cover extras, you can expect to have access to a range of services that typically fall into four categories:

This category usually includes routine and preventative treatments like check-ups, cleanings, fillings, x-rays, tooth extractions, or even teeth whitening. All you need to do to get coverage for general dental treatments is taking out an extras policy and serving any applicable waiting periods before getting any treatments.

Major dental cover in Australia provides more extensive coverage for complex and costly dental procedures. This type of cover is ideal for individuals who require more complex and expensive procedures like tooth extraction, wisdom teeth removal, complex fillings, crowns and bridges, veneers, and dentures.
Endodontic is a practice of treatment for the soft tissue of teeth that includes:

– Root canal therapy: a dental procedure that can save a cracked or damaged tooth by removing the inflamed or infected tissue inside the tooth.
– Periodontics: treatment of gum tissue diseases like gingivitis, infection, and inflammation.
Orthodontics is the treatment used to fix misaligned teeth or jaws, often with the use of braces or Invisalign. If you’re looking for orthodontic treatment coverage, keep in mind that it usually comes with longer waiting periods and is typically included in higher levels of cover.
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How Does Private Dental Cover Work?

Will I need to pay out of pocket expenses for dental treatments?

It depends on the level of cover that you have and the type of treatments that you need. Some dental funds can pay a fixed benefit or a percentage of the fee (usually around 60% or 70%), which affects how much you get back depending on the dentist’s private fee. Funds will stop paying benefits once the insured has hit their annual limit for preventative, general, or major dental services for that year. It’s always important to check your policy carefully to understand what’s covered and what you may need to pay for.

Can I choose my own dentist?

Having private dental cover means you have the freedom to choose the dentist you want to see. That’s why it’s crucial to have insurance from a private health fund that is generous with its coverage, no matter which dentist you choose to visit. Some may only provide a fair rebate if you visit one of their preferred dentists, which can limit your options and reduce your freedom of choice when it comes to receiving treatment. The concept of preferred providers may not be suitable for everyone because you deserve the freedom to choose where you want to receive treatment for your health needs. If your chosen dentist just happens to be a preferred provider with your health fund, then that’s a neat bonus, however, it should not dictate which fund you select or which dental practice to attend.

What is the waiting period for dental cover?

Usually, the waiting period will depend on your policy and insurance provider. But as a rule of thumb, waiting periods for extras cover can vary from two to six months for general dental services, 12 months for major dental procedures, and 12 months or even longer for complex procedures such as orthodontics and braces.

Waiting times for dental surgeries in hospitals can vary, with a maximum waiting period of around two months for policies. Please note that longer waiting periods may apply for pre-existing conditions.

On another note, if you’ve already served a waiting period under one policy and decided to switch to another provider with the same or a lower level of cover, you won’t have to re-serve the waiting period. However, you’ll have to sit another waiting period if you’re looking to claim treatments or services that weren’t included in your previous policy.

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Compare Dental Cover Private Health Insurance in Australia with Fair Health Care

At Fair Health Care, we understand that managing dental health care expenses can feel overwhelming. But with the right insurance policy, you can ensure that you receive the dental care you need without worrying about the costs. Our experienced advisors can assist you in evaluating your personal circumstances and requirements and finding a policy that suits your needs. With private dental cover in Australia, you can access a range of dental services and treatments without breaking the bank. Plus, extras cover can also help you access a range of other services such as physiotherapy, chiropractic treatments, remedial massages, and optometry. Get in touch with us today to discover how we can support your search for health cover to help maintain your overall wellbeing!
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Do I need Health Insurance?

Learn about Medicare, the public health system, private hospital and extras, and how health insurance might benefit you and your family.

Health Insurance Tax

Are you paying the Medicare levy Surcharge? If so, taking out private health insurance can help you avoid paying the MLS tax.

Health Insurance Rebate

The private health insurance government rebate is means tested, meaning your income could affect the cost of your health insurance.

Lifetime Health Cover Loading

If you’re 31 or over, you may have a Lifetime Health Cover loading (LHC) penalty which will increase the cost of your health insurance.
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