As the festive season approaches, have you thought about taking advantage of your health fund extras before the year ends?
Most private health funds in Australia, including Bupa, Medibank, HCF, and nib, reset their customers’ extras benefits on 31 December. Any unused benefits won’t carry over into the new year, so now is the perfect time to book your dental appointment and make the most of your coverage.
Research shows that the average return from Private health cover for a diagnostic comprehensive oral examination in Australia ranges from 56-66% with private health cover. It’s a substantial saving you don’t want to miss out on, especially during the most expensive time of year.
If you’re paying for extras within your health fund, it’s essential to get the most value from your coverage by scheduling and completing your dental treatments before the end of the year.
Are my family covered under dental health insurance?
Many private health funds allow child dependents to remain covered under a family or single-parent policy until they turn 21. Once they reach this age, they’re usually removed from the plan unless you re-enrol them as a student dependent, extending coverage until age 25. To avoid a gap in their coverage and potential waiting periods, make sure to update their status before their initial coverage expires.
What dental work can I claim on my extras?
Preventative and restorative dental
Basic extras insurance plans commonly cover preventative and restorative dental treatments such as:
We recommend scheduling a check-up and teeth cleaning appointment every six months to keep your teeth and gums healthy. Regular preventative care can help you avoid more complex and costly dental treatments down the road.
Major dental and implants
Premium extras insurance plans can also extend coverage to major dental treatments and implants, helping repair or replace teeth. These may include:
Remember, insurance benefits can vary depending on your policy. To avoid surprises, it’s essential to check with your health fund or review your policy details before scheduling your appointment.
Book your dental appointment at Gosford Family Dentists
As we approach the end of the year, our appointment calendar is filling up quickly, so don’t delay in booking your visit.
If you have private health cover, our HICAPS facility lets you claim directly at the time of your appointment. We accept all major private dental health insurance, typically requiring only gap payments.
To schedule an appointment with our friendly team, you can enquire online or call us at (02) 4325 3221. We may also have after-hours appointments available upon request.
