What is dental cover?
There are generally two types of health insurance – hospital and extras cover. As the name suggests, hospital offers you coverage for when you are admitted to hospital. Many people view hospital as the main need in their health cover and helps you when you are admitted for accidents or sickness.
Extras cover is the service more regularly claimed by most Australians and can provide benefits for health services such as optical, physiotherapy, remedial massage and much more. Most funds will offer packages of both hospital and extras cover, and give you the option of choosing different levels of both.
If you are looking for the best health insurance that includes dental cover, then you will find a cover under extras.
Dental cover itself is generally split into two – general and major. Major dental can include treatments like comprehensive fillings, extractions, crowns and dentures. General dental is usually for things like check-ups, cleaning and minor fillings. Treatments like cosmetic dental surgery are generally not covered under dental cover.
At GMHBA, we believe preventative care should be an important part of the best health insurance and our general dental can include treatments like plaque removal cleanings, to help you stay on top of things.
The other main point to remember about dental cover is, like most health insurance treatments or services, waiting periods often apply. Most general dental treatments require a two-month waiting period form the time you sign on to the time you claim. For major dental, it is usually 12 months. If you have come across to GMHBA from another fund, we may be able to honour any waiting period you have already served, but contact us to make sure.
Why do I need it?
No matter how old you are, whether you are single, part of a couple or have a family, dental cover can be an integral part of your best health insurance plan.
Firstly, it can give you peace of mind to know that if you need an urgent trip to the dentist, coverage could be available. Dentists can be expensive and Medicare does not cover most dental services or treatments. That is where we can step in. The best health insurance plan can help you and your family.
Secondly, your teeth are for life, so taking good care of them at a young age is important and being able to look after them as you get older can be a Godsend. So, taking out dental cover can be an important part of your best health insurance plan whether you are 20 or 80.
If you are single and young, being able to claim benefits on dentist visits that could help keep your teeth healthier for longer is a clear plus. If you play a contact or a ball sport, then dental cover can be doubly important. In fact, some health funds, including GMHBA, offer cover for those people who have an active, sporty lifestyle.
If you have a family, then dental cover is almost a necessary part of your best health insurance options. Dental cover for families can be different to that recommended for individuals, recognising the variety of treatments and services children often need. Giving you the peace of mind of having choice around dental cover and your family is very important to us.
Dental care is also important for seniors. As you age, so do your teeth, so including major dental is important to consider when deciding on your best health insurance options. Major dental can include treatments like dentures and veneers, as well and bridges and root canal therapy. In fact, the older you get, the more important dental cover could become.
How do I know which cover to get?
The most important thing when deciding on the best health insurance is to do your homework. Look at all the options available and what they mean in terms of cover, premiums, benefits and annual claim limits. Also, ask about out of pocket expenses that might occur when claiming for future dental procedures, visits or treatments. Having all the right information up front is a key part of finding dental cover that suits you.
Decide whether you should take out both extras and hospital cover, for real peace of mind. Some health funds, including GMHBA, can reward you for being loyal when it comes to having hospital cover, so combining your extras up with hospital can be an extra incentive.
Also, consider the tax and rebate incentives of taking out hospital and extras cover. The Federal Government realises the important role health cover can play in working alongside Medicare to help deliver one of the best health systems in the world.
Another important thing to note is not to judge dental cover by the price tag. The cost isn’t necessarily the best indicator of whether or not it is right for you. Consider your circumstances, how often you or your family are likely to need to visit a dentist – both in the short and medium term – and weigh those benefits up. You can change or upgrade your cover at any time, but bear in mind that may attract waiting periods for new or upgraded treatments and services.
At GMHBA, we are focused on making all these choices as easy as we can for you. We can filter your answers to these questions, and more, as you move through our quote process. This will help you see each step clearly and give you a simpler picture of what is available. The best place to start is here.