Woman benefiting from no gap dental cover

No gap dental

What is no gap dental? Find out how you can save on oral care with help from your health fund.

Dental work can be expensive, so in order to avoid costly payouts, many insurers offer “no gap” dental cover to encourage their members to maintain healthy teeth. This guide looks at what no gap dental is, what it covers and which health funds are offering it to their members.

Which health insurers have a no gap dental scheme?

Health fundWhat services are covered?
teachers health fund
  • Restricted health fund 

If you visit a Teachers Health Fund Health Centre in NSW or VIC you can receive no gap cover for a range of preventative dental services including cleaning, polishing, x-rays and fluoride treatment.

CBHS Health Fund
  • Restricted health fund 

Eligible CBHS members are completely covered for selected preventative dental services including check-ups, scales, cleans and fluoride treatments at any CBHS Dental Choice Network Provider.

Australian UnityAustralian Unity No Gap Dental services offer eligible members preventative dental treatments at no out-of-pocket cost up to a set yearly limit from providers chosen by Australian Unity.
HCF health insuranceHCF’s More for Teeth program provides a range of diagnostic and preventative dental services for the whole family. Over 7,000 dental providers across Australia participate in this program.
nib health insurancenib extras cover provides eligible members with 100% of any cost back for dental check-ups at nib Dental Care Centres. Each check-up includes an examination, scale, clean and fluoride treatment.
Transport Health insuranceTransport Health members are eligible for 'No Gap' Dental if treated at Primary Dental Centres. This includes check-ups, scales, cleans and fluoride treatments. Limits for each service apply.

Compare extras cover that offers access to no gap dental

How does no gap dental work?

If the amount on your dentist bill is higher than the benefit paid by your health fund for that service, the "gap" fee is typically charged to you as an out-of-pocket expense.

A no gap dental scheme means your health fund it will cover the full amount charged, allowing you to avoid the extra costs, providing you are treated by a preferred dentist who is affiliated with your insurer.

How no gap dental works infographic

What types of services are included in no gap dental?

As no gap dental is aimed at reducing the need for expensive dental treatments later in life, the services that health funds cover include basic preventative treatments such as:

  • Initial check-ups
  • Scale and clean
  • X-rays
  • Basic fillings
  • Topical fluoride treatment
  • Preventative examinations
  • Custom mouth guards for contact sports
These kinds of treatments can prevent bigger dental problems from developing later on and by making them more accessible and affordable for members, health funds are effectively insuring themselves against future losses.

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Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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