Where can I find an affordable dental care plan?

Start at home

Affordable dental care doesn’t mean you have to sacrifice value for money. In fact, the best health insurance for you isn’t necessarily the most expensive, and peace of mind doesn’t have to cost the earth. There is no point paying for what you don’t want, or need, so first you have to find out what that is. Most funds offer two kinds of dental cover – general and major.

Major dental covers you for treatments that are more complex and costly, such as complicated extractions, dentures, root canals and crowns. General dental focuses on the simpler procedures like fillings, cleaning and examinations. Working out what you need and want starts with looking at your lifestyle and your own health. If you are young and you have good dental health, your best health insurance plan may not need to include major dental.

If you are older, or you have children, major dental is probably a good idea, given the likelihood of visits to the dentist over the medium term. If you think you can afford the odd major dental procedure when it comes up, then maybe affordable dental care for you only includes general dental. Either way, it can be important to understand how you want your best health insurance plan to work for you.

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.

Look at what is on offer

Once you have a better understanding of what an affordable dental care package looks like for you, take the time to look around and see what is on offer. Affordable dental care is part of extras care, which provides benefits for medical treatments and services you don’t generally have to go to hospital for. As well as dental cover, extras policies can provide benefits for treatments like podiatry, optical, physiotherapy and chiropractic and much more.

However, dental cover is by far the most claimed of all the extras, which means there are plenty of options out there for you. You can choose to have just extras cover, or combine it with hospital cover. Being able to combine health covers means you have the option to mix and match levels of cover, which may help your best health insurance become more affordable.

At GMHBA, we understand affordable dental care is important. We offer three main extras policies – Gold, Silver and Bronze. They each have their own benefit levels, which mean you can pick what is best for you. Our Gold and Silver covers include general and major dental, and our Bronze cover includes general dental, which means premiums are lower. The higher your level of cover the greater the benefits. Alternatively, if you want to pay less up-front in premiums, your benefits will also be smaller when you lodge a claim. On top of this, having set benefits (an agreement for a set benefit amount instead of a percentage) can also reduce the up-front costs of health cover.

As mentioned above, combined packages, are also important options in finding the best health insurance for you. They can help you choose affordable dental care, while still being covered for accidents or emergencies in hospital. We have developed some low-cost cover options for you. These options include affordable dental care and give you the opportunity to still find value with other extras treatments and services.

As is with most health insurance, cover for affordable dental care can still be complicated. As an example, having wisdom teeth removed can be classified as general dental, and sometimes it can come in under major dental. If you have to go to hospital to get them removed, then there may be even more complications. In these instances, it can be worthwhile to contact us before making any appointments with dentists or health providers, to double check your level of cover and what benefits you are eligible for.

Look at the costs

When looking at the costs of affordable dental care, it is important to weigh up the benefits. Visits to the dentist can be expensive, and they are unlikely to be covered by Medicare. Private health cover can work alongside Medicare to make dental care more affordable. At the same time, we understand the importance of limiting the time you have to spend in the dentist’s chair. GMHBA values preventative dental care, with some of our policies offering benefits of 100% on preventative treatments, such as three plaque cleanings per year. Having your teeth cleaned by a dentist could stop tooth decay and preventative visits to the dentist could prevent more costly problems further down the track.

On top of this, signing up for the best health insurance you can afford could be cheaper than you think, thanks to the Federal Government Private Health Insurance Rebate. If you earn $140,000 or less, the government will give you a rebate towards the cost of your health cover. The rebate amount is tiered based on your income and age, and thresholds are increased for the more children you have.

Finally, always keep out-of-pocket expenses in mind when considering affordable dental care, and keep an eye out for any special incentives health funds may offer you to sign up, such as free weeks, waived waiting periods and gift cards.