What are the components for best health insurance for dental?

Dental care is an extremely significant component of your overall health and well-being.

Australia's public health care system Medicare however does not cover most dental examinations and treatment. Medicare does cover a portion of medical procedures done in a public hospital by a public oral surgeon or dentist. But some patients find themselves in long waiting lists that may last even for years.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 19.10
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 22.80
per week
Select

Silver Hospital & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 26.40
per week
Select
  • Covered in a public hospital as a private patient
  • Hospital treatment as a result of an accident
  • Knee and shoulder reconstruction
  • Dental (preventative and general only)
  • Optical
  • Physiotherapy
  • Covered in a public hospital as a private patient
  • Hospital treatment as a result of an accident
  • Knee and shoulder reconstruction
  • Dental (preventative, general and major)
  • Optical
  • More services than Bronze
  • Shared / single room in a private hospital
  • Hospital treatment as a result of an accident
  • Knee and shoulder reconstruction
  • Dental (preventative and general only)
  • Optical
  • Physiotherapy

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 19.10
per week
Select
  • Covered in a public hospital as a private patient
  • Hospital treatment as a result of an accident
  • Knee and shoulder reconstruction
  • Dental (preventative and general only)
  • Optical
  • Physiotherapy

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 22.80
per week
Select
  • Covered in a public hospital as a private patient
  • Hospital treatment as a result of an accident
  • Knee and shoulder reconstruction
  • Dental (preventative, general and major)
  • Optical
  • More services than Bronze

Silver Hospital & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 26.40
per week
Select
  • Shared / single room in a private hospital
  • Hospital treatment as a result of an accident
  • Knee and shoulder reconstruction
  • Dental (preventative and general only)
  • Optical
  • Physiotherapy

* 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 waiting periods on any extras when joining on combined covers*

*For new members on direct debit, must pay first month. Annual limits and sub limits apply. Offer ends 28 February 2017

Think about the regular trips you have to make to your dentist. These visits could be simply to have your teeth cleaned or to get fillings. Or they could be for more rigorous dental procedures like having your wisdom tooth extracted. Now think of how much this would cost you. Dental care proves to be very costly in Australia as it is almost everywhere else. Private dental care coverage is therefore recommended. A private dental cover would help you offset these costs.

The latest figures from the Australia Private Health Insurance Ombudsman show that dental care is indeed highly valued. From 2011 to 2012, private health insurance firms paid $1.79 billion for dental services. This represents a huge chunk of the total $3.51 billion they paid for all general treatment services.

In Australia, private health covers for dental could be classified into two. The first is for major dental coverage. This type of insurance covers complex fillings, tooth extractions, crowns, bridges and most major dental procedures. The second is for general dental coverage. This type would include minor dental services like your regular checkups and regular teeth cleaning procedures.

The classification of specific items and dental services are different for each insurance policy. You need to do your research with your insurer of choice and check details with them.

Big health funds offer dental services bundled with their general health insurance policy. This is lumped in the extras cover. You could also take up dental insurance separately from providers that only offer dental coverage.

The cost of purchasing dental insurance is not 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.

One thing you should always check with your insurer before committing is the extent of coverage they could provide you. Always ask for the possible out of pocket expenses. You might incur out of pocket expenses in possible future dental procedures even when you are insured. Doing this will help you get the most out of your dental cover.

Another thing you should make sure to check are waiting periods before you can claim your insurance. Wait times differ for each policy.

Waiting period waivers and discounts for dental care services might also be available. Again, you need to check with your insurer to find out the best options for you.

Doing research before committing to a private insurance takes time but there is no workaround to it. In the end, the valuable benefits outweigh all time you will have spent on research. With adequate information, you are assured of getting the best private dental health cover that suits your needs.