What treatments are included in general dental and what costs will be covered by health insurance?
General dental cover is one of the most crucial inclusions in an extras cover policy from Australian private health funds. Some common general dental treatments include the following.
- Annual check-ups
- Minor extractions
- Dental x-rays
- Minor fillings
- Teeth cleaning, plaque removal and fluoride treatment
However, there are plenty of other dental costs that will not be included in an extras policy that only covers general dental, such as crowns, bridges and root canal treatments. These will only be covered if you choose a policy that includes major dental.
We’ve rounded up a few of the finder.com.au panel for general dental policies. They can be an affordable way to get your teeth sorted or just shined.
|Provider||Policy||Limit||Wait Period||Cost Per Month||Apply|
|HCF||Bronze Extras||$350||2 Months||$11.67||Go to Site|
|ahm||Black 50 saver||$400||2 months||$13.05||Go to Site|
|Australian Unity||Basic Extras||$350||2 Months||$21.48||More info|
|health.com.au||Pulse 50||$500||2 Months||$21.65||More info|
|nib||Core Extras||$600||2 Months||$30.16||More info|
|Transport Health||Single Healthy Choice||$500||2 Months||$37.67||Go to Site|
*prices based on a single male living in NSW. Always check extras for combined limits
Use the comparison tool to filter by dental service for 30+ funds
Tired of trawling through multiple policies trying to work out which type of dental treatment is covered? Simply enter your details on our health insurance tool, hit Search Policies and use the blue filter button in the top right-hand corner to sort policies by general dental, major dental, endodontic and orthodontic.
What is and isn't covered under general dental and major dental in an extras policy differ greatly. Below you can find a list of treatments that will be covered by each service. This is not exhaustive, and treatments may vary depending on the health fund and the policy you select, so be sure to check your cover details for more information.
- Dental check-ups
- Cleaning and scaling
- Removal of plaque
- Removal of calculus
- Simple extractions (excluding wisdom teeth)
- Tooth whitening
- Dental x-rays
- Wisdom teeth removal
- Root canal therapy
- Treatment of gum disease
- Major restorative fillings (eg veneers)
Medicare does not provide cover for the vast majority of dental examinations and treatments. Instead, Australians need to rely on their private health insurance to provide the cover they need for dental treatment costs.
Dental cover is included in most extras cover from Australian private health funds, but your level of dental cover will be dependant on how comprehensive the policy is.
There are several factors you will need to take into account when choosing health insurance for general dental, regardless of whether you want cover for minor or major dental.
The level of cover you want. Take a moment to consider your overall dental health and how much cover you need. Do you need the complete peace of mind and high level of financial protection offered by a policy that covers major dental, or will general dental cover be sufficient for your needs?
- Your age. The older you are, the higher the level of dental cover you will most likely need. Keep this in mind when deciding on the right policy for your requirements.
- Your financial situation. If you’re wealthy or if you’re already covered by corporate dental insurance from your employer, consider whether the financial benefits offered by extras cover would really be worth it for you.
- What’s covered and what’s not. Next, take a look at the fine print of your policy to see exactly which services are covered and which aren’t. Are there any services that are excluded from one policy that are included as a standard in another?
- Waiting periods. Take a closer look at the length of the waiting period you will need to serve before you can access any benefits. This is usually two months for most general dental services, but it’s worth checking just so you don’t get any nasty surprises.
- Benefit limits. Check the PDS for information on the maximum amount of benefits you are eligible to claim on a policy. Do those benefit limits apply annually or over the lifetime of your policy? If there is more than one person covered by your policy, do the listed limits apply per person or per policy? Finally, if there is no overall benefit limit specified, check to see what benefit limits apply to individual procedures.
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