Health insurance for major dental

We all know how important it is to look after your teeth, but it can be hard to know which types of dental treatments to get covered for. Here are some of the benefits of extras cover for major dental services:

• For many, the cost of major dental procedures without insurance can be prohibitively expensive, but with a sufficient level of cover, you’ll have a more reasonable out-of-pocket cost, or in some cases no gap at all!
• In Australia, dental care is rarely covered by Medicare, as it’s not considered medically necessary. However, looking after your oral health now could prevent a medical emergency in the future.
• If you have kids, there’s a good chance they’ll need some dental work as they grow up. General dental could cover some of these costs, but something like a wisdom tooth extraction might be classified as a major dental treatment. In some cases, such as wisdom tooth extraction, a hospital admission may be required which would require an appropriate level of hospital cover.

Once you’ve decided you want extras cover with major dental insurance, all that’s left to do is compare your options and pick a private health insurance policy that works for you. Here are a few things to consider while you browse:

• What’s covered. The way that dental treatments are sorted into different categories varies between health funds, so remember to check which item numbers sit under major dental.
• Waiting periods. Before you can claim on your policy, you’ll need to serve a waiting period. These periods vary between health funds and are occasionally waived for promotional purposes. Although, waiting period waivers typically only apply to 2 and 6 month waiting periods, while major dental traditionally has a 12 month waiting period.
• Annual limits. This is the maximum amount you can claim on a service in a year. Other types of limits may also apply (e.g. lifetime limits, sub-limits and policy limits).

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Extras cover

Hospital cover

Chiropractic

Physiotherapy

Australian Government rebate