What are the components for best health insurance for dental?

The best dental health insurance is important

When it comes to your health, having the best dental health insurance can sometimes be overlooked. That’s because dental care can sometimes be overlooked. However, it shouldn’t be. Dental care can be an extremely significant component of your overall health and wellbeing. There are links between your dental health and your overall health, which can mean having the best dental health insurance for you can be very, very important. Not only can it help you treat the dental health problem you have, but it can help your dentist spot problems before they arise. This is because having the best dental health insurance can provide benefits for things like check-ups, helping encourage you and your family to get along to the dentist and not have to worry about the impact it may have on your weekly budget. Medicare is fantastic and does a great job at providing public hospital care and covering you for general medical appointments and tests. However, it does not cover most dental examinations and treatments. Medicare can cover a portion of medical dental procedures done in a public hospital by a public oral surgeon or dentist, but that can see you on a long public hospital waiting list. So, health cover like those provided by GMHBA can work alongside Medicare to give you and your family the best dental health insurance for you.

We are all encouraged to see the dentist at least twice a year, and when you think about the number of trips this could mean for you and your family, it can add up. With the cost of dental treatment, dental care can prove to be very costly. Australians, it seems, are always on the lookout for the best dental health insurance, with health funds paying out $2.5 billion in benefits in 2015-16, more than double the rest of the treatment benefits combined.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

No 2 & 6 month waits on extras when joining on combined cover.*

* For new members on direct debit. 12 month waiting periods, annual and sub limits apply. Offer ends 31 October 2017

How does the best dental health insurance work?

In Australia, private health cover for dental treatment usually comes in two forms – general and major dental.  Major dental can cover the complex treatments such as  complicated extractions, crowns, bridges and most major dental procedures. General dental usually includes benefits for minor dental services such as regular check-ups, teeth cleaning procedures fillings and simple extractions. The classification of specific items and dental services are different for each insurance policy, so make sure you do your research before booking an appointment.

At GMHBA, we offer general dental cover in all our extras policies. Extras cover provides benefits for treatments and services you usually receive outside of hospital, such as dental, physiotherapy, optical and alternative therapies. The other type of health insurance is hospital cover, which can help you out when you are admitted to hospital, either for emergency or elective care.  The higher your level of extras care, the better coverage you usually get for things like dental. Of our three main extras covers – Gold, Silver and Bronze – two – Gold and Silver – also provide major dental cover. The cost of purchasing dental insurance is not always a good indicator of its future usefulness.

You should always check the fine print and do adequate research with each particular insurer to know what is best. Always ask for the possible out-of-pocket expenses, which might occur as part of your best dental health insurance. It is also important to check waiting periods before you can claim your benefits. Waiting periods are usually two months for general dental and 12 months for major dental. Another important thing to check is annual limits. While each policy can give you different benefit levels, they can also give you different annual limits. Annual limits are a cap on the amount you can claim for specific treatments in a calendar year.

Doing research before committing to a private insurance can take time but there is no workaround to it. In the end, the valuable benefits can outweigh the time you will have spent on research. The last thing you want is to be caught out. As much information you can get is important when choosing the best dental health insurance for you and your family.

What about preventative dental?

At GMHBA, we put you first. As a not-for-profit health fund, we can ensure you are our first priority, not our shareholders. With this in mind, we also put your dental health first. Bundled health care packages can be a great way to get peace of mind from your health cover, and also help make you as prepared as you can be for whatever life can throw at you and your family. You can combine your hospital and extras care, and mix and match it to suit your needs. As well as having three extras cover, we also have three hospital covers, also named Gold, Silver and Bronze. Sometimes the best dental health insurance can be found by packaging together extras and hospital cover.

Our Family Package deals can be a good example of that. There are three separate packages, all designed with different budgets in mind. But the real bonus is they offer benefits of 100% on preventative dental treatments. This means you can claim 100% back, up to the annual limits, on treatments such as two periodic examinations and three plaque removals a year. As mentioned above, this is important, because visiting a dentist regularly can lower your risk of getting tooth decay. This can also be important down the track and can help catch more serious, and more expensive, problems before they occur.