What is the best cheap dental health insurance for me?

Dental care can be expensive

Visits to the dentist can be expensive, and costs can vary, with different ways to perform different procedures, using different equipment. On top of the costs, most dental procedures are not covered by Medicare. Cheap dental care is there to work alongside Medicare to give you peace of mind to know you are covered when you need it most. More people use their best health insurance package to claim on dental treatment than any other extras cover, showing how important a cheap dental care plan can be. It also shows that dental cover can be a good way to get value for money from private health cover, given the likely regularity of treatments, including preventative check-ups and cleanings.

GMHBA can help

Finding the best health insurance can be difficult, given Australians are almost spoiled for choice. At GMHBA we are interested in only looking after you and have designed our policies with you in mind. We know everyone is different and everyone has different health cover needs and expectations, but you should be able to find what you want among our policy options.

Most health funds offer both hospital and extras cover. Hospital insurance provides cover for when you are admitted to hospital, for accident and emergencies as well as other treatments and procedures. Extras cover provides benefits for heath treatments outside of hospital such as podiatry, alternative therapies and physiotherapy. Cheap dental care is another treatment that falls under most extras covers. Most health funds, including GMHBA, offer benefits for both major and general dental treatments. Major dental covers you for complex treatments like crowns, major extractions and dentures, general dental offers benefits for things like fillings and simple extractions.

 

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

Preventative dental care is an important part of cheap dental care and we want it to be an important part of your best health insurance plan. Some of our extras plans offer benefits for three plaque removals a year, cleaning and general examinations, to help you keep on top of your dental health care. Regular check-ups can help prevent decay, and can also catch small dental problems before they become much bigger, and potentially more expensive, problems.

Our options can suit you

At GMHBA, we have three main extras policies – Gold, Silver and Bronze. All offer both percentage and set benefits, as well as dental care, aimed at giving you the cover you are after, for different budgets. When it comes to cheap dental care, our Silver and Bronze options are best suited to cater for your needs. Our Bronze cover is our most affordable and offers cover for general and preventative dental. You can choose set benefits, which will make the premiums slightly cheaper, or a 55% benefit on treatments. That means you can claim back 55% of the cost of the treatment or service, providing your cover is up to date and your dentist is registered. Like all insurance policies, the higher level of care the more you can claim back, and the same goes for annual limits. Annual limits are the maximum you can claim per person or per family or couple each year, for specific treatments. Our Silver cover offers higher annual limits for general and preventative dental than Bronze, and also offers some major dental, all with lower premiums than our Gold extras cover.

Another option to consider is combining hospital and extras cover, to give you both cheap dental care and the benefits of hospital cover. Our quote process will help you filter your needs and help you pick and choose the right mix for you. You can mix and match your covers to your needs. If you want top level hospital cover, and a cheap dental care plan, you can. It can be an easy way to find the best health insurance, and the most affordable health insurance.

Think about your dental needs

Dental care is an area where you really can tailor your cover to your current needs and your current life situation. If you are young and don’t have children, then cheap dental care that doesn’t include major dental could be right for you. It can keep your premiums low and means you don’t pay for things you are unlikely to need in the near future. It means you are covered for dental visits if you need them, and the option of upgrading is always there if you think you may need it.

Also, think about our Active Lifestyle bundles range. They are designed for those who play sport, but also provide some cheap dental care options if you are seeking them.

If you have young children, you may also not need major dental cover.  It is recommended children have an oral health check by the time they turn two, a service which could be covered by our general dental cover. As they get older, dental treatments may become more frequent and more complex, and major dental cover could become an option. Bear in mind there is usually a waiting period of 12 months for treatments under major dental cover, so plan ahead as best you can.

It is also important when thinking about the best health insurance plan for families to not forget about parents. It can be easy to focus solely on the dental care of children, but adult oral health problems can also come out of the blue, so having health cover that can cater for all possibilities and outcomes is important.

If you are older, think about having a policy that provides benefits for major dental treatments like crowns, bridges and dentures.

If cheap dental care is part of your best health insurance plan, then GMHBA can help you.