If I need dental treatment, what is the best health insurance plan for me?

When it comes to health, people often forget about their teeth, until it’s too late. Don’t wait until it’s too late to make the best dental health insurance policy part of your family’s cover.

Is dental cover important?

A lot of people think looking for the best dental health insurance policy for them is important. In 2015-16, private health funds paid out $2.5 billion in dental claims alone. That was more than half of all their general treatment payouts. 

The best dental health insurance policy is an important part of your total health and wellbeing cover, especially as most dental examinations and treatments are not covered by Medicare.  Like all health cover, making decisions about the best dental health insurance policy comes down to many factors. Think about your age and whether you may need dental cover as you get older.

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.

Also, consider the current state of your teeth, and your diet, and think about your financial situation and whether your health fund can offer you value for money. Finally, consider your family. If you have a large family, then the chances you may need dental services are probably higher, as are the chances of you benefitting from claim-back percentages and preventative incentives, which some funds can offer.

Importantly, don’t leave looking for the best dental health insurance policy until it is too late. Where possible, try to plan ahead and do your homework. Finding the best dental health insurance policy can be tricky, so don’t be afraid to ask a lot of questions. Start by reading the Best Health Insurance Guide.

How does dental cover work?

Most funds include dental cover as part of their extras policies. Most funds offer different levels of extras cover and most funds will allow you to mix and match with different levels of hospital cover to find the right mix for you. Some providers may also offer just dental cover.

Your best dental health insurance policy will cover two types of services – General and Major dental. Most funds will include regular checkups, regular teeth cleaning and simple extractions in their General Dental coverage.

Major Dental can include services like complex fillings, wisdom teeth extractions, crowns, bridgework and root canals, as well as a lot more. Different levels of extras policies can include different levels of care and different services, so make sure you read the fine print when searching for the best dental health insurance policy for you and your family. With some funds, basic extras cover can only include General Dental services. If you are single or a couple with healthy teeth, this might be a good option.

Some funds can also include incentives for preventative care, and others may offer priority appointments, which makes seeing a dentist easier and faster.

Another key part of finding the best dental health insurance policy is to research the waiting periods or claim limits for various services.

Most funds have waiting periods of up to 12 months for Major Dental Services, and around two months for preventative dental. There can also be limits on the amount you can claim back for each service, and how many times a year you can access them as part of your best dental health insurance policy.

How do I get value for money?

Going to the dentist when you want to, and not being stuck on a public waiting list, is likely to cost you money. Not going, or waiting until something is wrong, can be dangerous, for both your teeth and your wallet.

Finding the best dental health insurance policy can be a good way to offset you other health cover costs, especially if you have a family. We are told to visit a dentist for a checkup twice a year. If you want your teeth whitened or cleaned, or need customised mouth guards, it can be more often. If you are likely to go anyway, having the best dental health insurance policy may be a good way to get money back. Your best dental health insurance policy could therefore give you the chance to claim money back on services you were likely to use anyway.  

At the end of the day, if you need dental treatment, there are plenty of options when searching for the best dental health insurance policy for you and your family. But remember, there is a lot to choose from, so find out as much as you can before you make your choice.