fbpx

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.
GET STARTED

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.
GET STARTED
Do I need health insurance?

Singles Health Insurance – Looking After the Health Needs of One

Comparing health insurance for a single person is somewhat less complicated because you don’t need to consider the personal health needs of another person and/or children. With only one set of health requirements that need to be covered, Singles health insurance is an exercise in simply getting what’s ‘best for me’. Of course, our health needs change as the years flow by and a re-visit to a Singles private health insurance comparison from time to time is a must.

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.
GET STARTED

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.
GET STARTED

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.

Compare Young Adults Private Health Insurance

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!

Select a Cover for...

Just Myself - Female

Just Myself - Male

Just Two of Us

Just Us and the Kids

Just me and the Kids

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.
LEARN MORE

Health Insurance Articles

1300 955 691
Suite 1/600 Victoria St Richmond, VIC, 3121
Monday-Thursday: 9am – 6pm
Friday: 9am – 5 pm
Satuday and Sunday: Closed
Facebook Linkedin
Fair Health Care Pty Ltd (ABN 86 622 966 303) give health insurance advice in partnership with the ItsMy Group Pty Ltd (ABN 85 167 289 965), and their co-operative of for-profit and not-for-profit health funds. All advice is provided within strict adherence to the Private Health Insurance Intermediaries Code of Conduct.

© 2024 Fair Health Care Pty Ltd – ABN 86 622 966 303