Why is maintaining your dental health so important?

There are links between your general health and dental health

Our dental health care can tell a lot more about our health than just what’s happening in our mouth. Research has shown a link between our overall health and the health of our teeth and gums. Given we all develop plaque, we are all susceptible to tooth decay and gum diseases gingivitis and periodontitis. The research revealed reported associations between periodontitis and chronic diseases such as cardiovascular disease, diabetes, stroke and dementia, as well as low-birth-weight pregnancies. Having the best health insurance you can, can be a good incentive to visit the dentist regularly. Regular visits to the dentist as part of your dental health care routine can prevent decay and spot problems before they get too big.

Having health insurance can make a difference

Given the information above, data collected by the Australian Government’s Australian Institute of Health and Welfare shows a worrying trend when it comes to dental health care. According to the AIHW, just over half (55%) of adults surveyed aged between 25 and 44 had visited a dental practitioner in the previous 12 months. From 1994 to 2013, the proportion of adults who avoided visits to the dentist rose from 25% to 35%. Nearly one third of people aged over 5 avoided seeing a dentist due to cost, including 45% of those aged between 25 and 44.

Overall, almost three quarters of those with dental health care insurance visited a dental practitioner in the past year, against only 51% of those who didn’t have cover.

One in 6 people aged over 15 told the surveyors that they had a toothache in the past year. More than 20% of adults aged between 25 and 44 surveyed said they had experienced toothache the year before. Uninsured people were more likely to experience toothache (20.2%) than insured people (12.3%).

The survey also revealed 3 in 10 adults aged between 25 and 44 had untreated tooth decay. A higher proportion of uninsured people (31.1%) than insured people (19.4%) reported having untreated decay.

How can GMHBA Health Insurance help?

When it comes to dental health care, GMHBA understands the importance of prevention. All our extras policies include benefits for preventative dental health care such as cleaning and regular check-ups, making it easy to choose the best health insurance for you and your teeth. We also understand how important dental health care is to families and our Family Packages offer 100% back for preventative dental treatments up to annual limits. When you consider that 50% of 12 year olds surveyed had experienced tooth decay in their permanent teeth, the importance of making family dental health care part of your best health insurance plan couldn’t be starker.

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

How does GMHBA dental health care work?

Finding the best health insurance plan for you and your family can help you manage your dental health care and can also help you look after your general health. There are two kinds of health cover – hospital and extras. Hospital insurance covers you for when you are admitted to hospital, as well as accident and emergency treatment. It can also offer you more choice when you need elective surgery, and can help you be treated when you want, by the doctor you want.

Like most insurances, there could be an excess for your hospital treatment, usually about $500. Extras insurance covers you for health treatments and service you usually don’t need to go to hospital for, like physio, optical and podiatry. These treatments are normally not covered by Medicare and finding the best health insurance can give you the peace of mind of knowing it is there when you need it. Most funds offer two kinds of dental insurance – major and general. Major dental includes treatments that are complicated, like crowns, dentures, root canals and some extractions. General dental offers benefits for treatments like check-ups, simple fillings and extractions, and cleanings. Dental treatments are covered under extras cover and our three extras covers – Gold, Silver and Bronze, all offer dental health care cover. Dental coverage is also covered under GMHBA’s family packages. Our Bronze cover offers general dental and our Gold and Silver policies both offer major and general dental.

Importantly, all our extras packages offer benefits for preventative dental. At GMHBA we know the importance of making it easier for you to go to the dentist, even when you haven’t got a toothache. We offer benefits for things like plaque removal. We want to give you the best service we can to make your cover the best health insurance it can be. We provide benefits for three plaque removals a year, which can help keep decay at bay. On top of that, we encourage you to get check-ups, by offering benefits for two examinations a year. That should go a long way to picking up any problems before they arise.

There is only a 2 month waiting period before signing up and claiming for preventative and general dental, and a 12 months waiting period for major dental.

At the end of the day, all health cover is a type of insurance. It can help you reduce risk if something goes wrong, and can be there for you when you need it. Different polices give back different percentage of the treatment. Our Gold extras policy comes with a 75% benefit our silver extras 65% and our Bronze extras 55%. You can also select set benefits for each of our extras policies, which have slightly lower premiums. Either way, finding the best health insurance for you, and the best dental health care package, starts with working out what you want and how much you want to pay. The rest, is up to us.

While the statistics show having dental health care cover can help, there are a few other things you can do to lower your risk of tooth decay:

  • Brush teeth regularly
  • Use fluoride toothpaste
  • Limit sugars, especially between meals; and
  • Have your teeth checked regularly by a dentist or oral health professional