What are the benefits of having dental health insurance?

There can be many benefits in including dental cover in your best health insurance plans, but they can be different for different people in different stages of their lives. If you want to get the most out of your dental cover, it is important to understand all the benefits and how they can work for you.

How does dental insurance work?

Most funds include dental insurance under their extras cover. Extras insurance covers you for treatments you usually don’t have to go to hospital for, such as physiotherapy, optical, remedial massage and orthodontic and a lot more.

Extras insurance can give you reassurance that if you need these treatments, your cover is there to help, and dental benefits can play an important part of your best health insurance options.

You can claim dental benefits on two types of services – major and general dental. Major dental includes services like complex fillings, extractions, dentures and crowns. General dental can cover you for treatments such as regular fillings, check-ups and cleaning. At GMHBA, we understand the importance of preventative dental care, and provide options for treatments like three plaque removal procedures a year as part of some of our general dental policies.

A lot of Australians take up the choices of dental benefits as part of their extras insurance. In 2015-16, private health funds paid out more for dental treatments than any other claim. In fact, it was more than half of all the extras claims put together. So, many people clearly understand the importance being able to claim dental benefits has for them.

How can it help my health?

We all know trips to the dentist are not cheap and having peace of mind to know your cover is there when you or your family needs it, is a definite benefit. But it’s more than just about emergencies or immediate care.

Obviously visiting a dentist regularly can help prevent decay and find problems before they arise. That could help prevent problems from getting worse and stop you from needing more major procedures down the track. If you have dentures or crowns, regular visits can also help spot problems before they become too uncomfortable or before they impact on your daily life.

Finding the best health insurance that includes dental benefits, especially for preventative treatments, can also be important for your long-term health, both dental and overall. Severe tooth and gum diseases can be serious for your health, and are responsible for a large number of deaths each year in Australia. On top of that, they can be warning signs of other dangerous illnesses. Health organisations have found a link between oral health and good overall health, which is part of the reason we believe having dental benefits is really important.

Dental cover can have different benefits, depending on your lifestyle and how old you are. If you are young and play sport, especially a contact or ball sport, then having the peace of mind to know that dental cover is there for you if you need it is important. It might also be a good idea to investigate taking out orthodontic cover as well.

If you are a parent, then including dental benefits in your family’s best health insurance policy can also have its advantages. Knowing you may be able to claim benefits for visiting the dentist twice a year with each child can help ease the pressure.

If you are older, having health insurance that includes major dental cover is recommended. That will allow you to claim benefits for dentures and other complex treatments, but make sure you look at all the details before signing up.

No matter how old you are, or whether you are single, part of a couple or have a family, finding dental cover can be important, so do your homework. Look at all the options available and work out which one suits your needs and your budget.

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

Is dental cover expensive?

The easy answer to that is it doesn’t have to be. Cheap health insurance does not necessarily equal poorer cover. At the same time, a higher level of cover might give you more than you need, or want.

At the basic level, dentists will tell you that having regular check-ups and preventative visits are likely to be cheaper than fixing problems when they become major, especially if they get them early. So, dental benefits that make it easier to have regular check-ups could help you in the longer term.

Private health funds also work alongside Medicare to provide you with one of the best health systems in the world, but most dental treatments are not covered by Medicare. So take that into consideration when weighing up the best health insurance options for you.

There may also be tax incentives for taking out health cover, especially if you combine it with hospital cover. GMHBA is one of the health funds in Australia that can reward you for being loyal when it comes to combined extras and hospital cover.

Dental benefits can be rewarding and can make it easier for you to keep your smile looking the way you want it.