Private health cover for dental can be genuinely useful, but the fine print trips a lot of people up. Here are the bits worth understanding so you get value from what you’re paying for.

Claim on the spot with HICAPS

We use HICAPS, which means you can claim your health-fund rebate at the counter and only pay the gap. You don’t need to pay the full amount and chase a refund later — the claim goes through then and there.

Watch your annual limits

Most extras policies have a yearly limit for general dental that resets each calendar year. If you’ve got treatment you’ve been meaning to get done and you haven’t used your limit, it can make sense to plan around the reset rather than let it lapse.

The CDBS for kids

Separate from private cover, many children are eligible for the Child Dental Benefits Schedule, which covers a set amount of basic dental over two years. Eligible kids can be bulk billed under it. If you’re not sure whether your child qualifies, call us with your details and we’ll check.

Not sure what your particular fund covers? That’s what we’re here for — give us a call and we’ll help you make sense of it.