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Dental insurance can be found in a private health insurance extras policy. Here are some basic, mid & top ‘extras only’ options from Finder partners. General dental includes check-ups, minor extractions, x-rays, fillings, & cleaning. Prices based on a single in Sydney and waiting periods may apply.
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Dental insurance is a feature available in extras health insurance, as opposed to hospital insurance. Extras is the cheaper version and covers out-of-hospital healthcare, such as dentists, opticians and physiotherapists.
Some policies will pay a percentage of your bill, up to a certain amount, when you visit the dentist. Other policies will pay a set amount for specific treatments or services, regardless of what the end bill was.
A common benefit to keep an eye out for is no-gap dental. This means you'll get a certain amount of routine check-ups every year, which won't cost you a cent. You may have to go to a certain dentist though.
When comparing dental insurance, you need to check which type of dental work is covered by the policy. Generally, it's split into four different types.
The more basic extras policies will only cover general dentistry, while the most comprehensive will cover general, major and orthodontic work. If you want dental surgery covered, you'll also need to buy hospital insurance.
Type | Covered by | What is it? |
---|---|---|
General | Extras | Common procedures such as check-ups, teeth cleaning, fluoride treatments, x-rays and small fillings. |
Major | Extras | More complex procedures such as crowns, bridgework, veneers and implants. |
Orthodontics | Extras | Specialist dentistry for aligning teeth and jaws. Treatments include braces, plates and retainers. |
Surgery | Hospital | Surgery performed in a hospital to the teeth and gums. |
Technically, you don't need dental insurance, but it can have a big impact on your health, and your finances, if you find a policy that's right for you.
Just knowing that you're covered for regular check-ups can motivate people to visit the dentist more often, which in turn helps prevent more serious health problems developing.
According to the Australian Dental Association's 2020 Oral Health Checker, less than half (48.8%) of adults reported having a dental check-up in the last 12 months.
Dental insurance is also a good idea if you don't have savings to rely on for emergency dental work. Nobody plans to crack a tooth or have repairs to a root canal, but they can both pop up without warning and end up costing a fortune.
The price of specific dental treatments varies depending on your dentist, location and specific circumstances. However, a 2019 HealthEngine Survey sought to find the average cost of some common treatments in Sydney.
Procedure | Average cost | Lowest cost |
---|---|---|
Dental check-up | $166 | $40 |
White filling | $224 | $130 |
Wisdom tooth extraction | $366 | $150 |
Teeth whitening | $470 | $150 |
Root canal | $1,225 | $550 |
More complicated dental work will be even costlier, especially braces. According to Orthodontics Australia, braces can cost anywhere between $6,500 to $15,000.
Type | Price |
---|---|
Clear aligners | $6,500 - $9,500 |
Ceramic braces | $6,500 – $9,500 |
Metal braces | $6,000 – $9,000 |
Lingual braces | $9,500 – $15,000 |
Even with health insurance, dental work can still come at a significant cost. Thankfully, many dental practices now offer AfterPay or specialist payment plans to patients.
Unfortunately, Medicare isn't great when it comes to dental work. There are some things which will be covered, but it's not very comprehensive. Here's how it works for kids and adults:
In some cases, Medicare will pay for certain dental services that are performed in a hospital, such as emergency or complicated procedures. However, these are fairly uncommon.
Medicare does offer more dental benefits to kids but they're not available for everybody. Generally speaking, you can claim up to $1,000 over two years per child – if you're eligible.
The government should let you know if your child is eligible but you can also check on the myGov website. Typically, you'll have to receive certain government benefits to be eligible.
If your dental work is considered life-threatening or extremely complex, you'll be treated in a hospital so will be covered by Medicare. However, this doesn't apply to most dental work.
For emergencies that aren't life threatening, you'll need to see a normal dentist. In some cases, you may be able to get help from the public system to cover the cost of emergency dental work, but not everyone is eligible. Even if you are eligible, you'll likely face long queues and won't be able to choose your own dentist.
For most people, private dental insurance through an extras policy is the best way to get financial help for emergency dental work.
Most states also have public dental benefits, but they usually prioritise certain groups like children, the elderly, the homeless and low-income families. If you are eligible for emergency dental benefits through your state, you will most likely have to visit a public dental facility and may have to join a queue if your condition is not life-threatening.
Here are the benefits available in each state:
In New South Wales, emergency dental care is free for the following people:
You must also have a valid Medicare Card and get your treatment at a New South Wales public dental clinic.
In Victoria, the following groups are eligible for free emergency dental care in a community health centre or public dental hospital:
Adults who have a valid Health Care or Pensioner Concession Card will receive emergency dental care in a community health centre or public dental hospital for $28.50. Everyone else can use the public facilities, but you'll be charged rates that are similar to what you'd find in a private facility.
The following groups can receive free publicly funded emergency dental treatment in Queensland:
You must be a Queensland resident and you must receive your treatment in a public dental facility.
The following groups are eligible for publicly funded emergency treatment in Western Australia:
You must receive your treatment in a public dental facility. If you live in a rural community and don't have access to a public clinic, you can use a private clinic but you will have to pay full price for treatment.
If you belong to one of the following groups, you are eligible for publicly funded dental treatment in South Australia:
You must have your treatment in a public facility.
The following groups are eligible for publicly funded dental treatment in Tasmania:
You must visit a public dental facility to be eligible.
A mid-range extras policy will cost about $40-$50 a month. However, policies start at just $13 a month and can range all the way up to $140 a month – so there's a policy to suit every budget.
You should expect a mid-range policy to cover general and major dental work. It may also cover orthodontics but this will vary between brands.
Cheap dental insurance starts at less than $3 a week. It will cover a couple of routine check-ups every year as well as some common procedures such as teeth cleaning and X-rays. Be aware though, you'll have to spend a little more if you want major work covered by your policy.
With dental insurance, there are a few features to look out for which can separate a great policy from a run-of-the-mill one. Keep these in mind:
Look for a policy that has no waiting period for general dental, or that waives 2- and 6-month waiting periods. That means you'll be able to claim for general dental work straight away.
Top tip: ahm's Lifestyle Extras policy has no waiting period for general dental.
The higher the annual limit, the more you'll be able to claim on your dental insurance. Just remember, you'll probably pay more for your policy too.
Top tip:Medibank's Top Extras 90 has no annual limit for general dental.
All extras policies will come with a 12-month waiting period for braces so it's better to keep a close eye on the annual and lifetime limits instead.
Top tip:Medibank's Top Extras 90 has a $1,000 annual limit (increasing by $500 every year) with a lifetime limit of $3,000.
If you want cover for highly-complex and emergency dentistry, you'll need hospital insurance. All silver-tier policies have to cover dental surgery but you can get cover in lower tier policies too.
Top tip: ahm's Essential Basics Plus policy covers dental surgery and is just $17.30 a week.
Dental work is covered by extras health insurance but that's not all it covers. You can also get money towards new glasses, physio appointments and even massages. Compare more options using the tool below.
Dental insurance is just one benefit offered by extras insurance. Get an extras policy, and you could also get money off new glasses, physio appointments and even massages.
It's up to you. Some people prefer to put money aside for unexpected costs but it's pretty easy to get value back from an extras policy – as long as you actually use it.
Unfortunately, there's no real difference if you're a student. In some cases, your dentist may give a concession discount for dental work but you'll still be out-of-pocket.
Picture: GettyImages
Nicola Middlemiss is a senior writer at Finder, focusing on all things insurance. She's been a journalist for over five years and has contributed to a wide range of industry publications including Insurance Business, MoneyMag, the Educator, Your Investment Property, Mortgage Professional Australia, and Wealth Professional. She has written over a thousand articles covering the insurance industry and now uses that insight to help Australian consumers understand their own insurance policies, and make smarter decisions. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.
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If you are working and not a concession card holder and having all your teeth removed is impacting on your health as you are losiing weight and can not eat properly does medicare substitute any of the costs for inplants or 4 bridge implants etc
Hi Debbie,
Thanks for your comment. As explained on this page for dental implants. Medicare largely does not cover dental work, and that includes implants. There are two major exceptions:
#1 Your oral health is impacting your overall health. In this case, you would need a referral from your GP under a GP Management Plan and Team Care Arrangement.
#2 You’re a concession cardholder. Certain concession card holders are eligible for state-based dental vouchers that may be applied toward medically-necessary dental implants.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
Is dental insurance worth it? As far as I can see the amount you can claim back is pretty much equal to the premiums you pay, sometimes less.
Hi Nigel,
Thank you for getting in touch with Finder.
It would depend on your dental needs. Please note dental fees are not subsidised by the Federal Government like doctors’ fees and Medicare. In addition, there is no industry-standard fee schedule when it comes to dentistry. Fees vary from dentist to dentist, set by the owner of each practise to cover their own operating costs. Given that there is no government subsidy, many people opt to take out dental insurance to help cover the cost of maintaining healthy teeth and gums.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I’ve been with Bupa for over 30 years. I have Hospital + extras cover however their fees are
exorbitant! I’m looking for top major Dental cover with an experienced orthodontist or my existing Dentist.
Hi Annie,
Thanks for your inquiry.
Finder is a comparison and information service and we are not permitted to provide our users with personalized financial advice or product recommendations.
What you can do is check out the insurers in our panel and compare whats best for you. Please take note to provide the required details in order to filter the results.
Hope this information helped.
Cheers,
Arnold