What is the best dental health insurance policy for me?

How do I find the best dental cover?

 Finding the best health insurance that includes the best dental cover can be difficult. At any one time, there can be at least around 180 insurance policies to choose from that include dental cover. That alone can make choosing challenging. When you add in the different levels of care, with all the different benefit options, it can become quite daunting. But GMHBA can cut through the confusion and help you every step of the way, by filtering your needs and your requirements as you go. We understand everyone is different, and not everyone wants the same thing when it comes to finding the best health insurance.

That can also be the case when it comes to finding the best dental cover. Depending on your life stage the dental services you require will change. The same can be said for families. Dental coverage for families can be a lot different to those recommended for singles or couples.

Either way, no matter how young or how old you are, finding the best dental cover is important. We would all like our teeth to be for life, so it’s important to start looking after them from a young age.

On the other hand, if you have dentures, the best health insurance with the right dental cover can also make a big difference.

What do I need to weigh up?

Your dental health is important no matter your age. Having dental cover that can give you peace of mind by being there whenever you need it is what having the best health insurance means. Most funds offer dental cover as part of extras care. Extras care can work alongside Medicare to provide benefits across a wider range of services or treatments.

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

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Dental care generally includes two main services – major and general. General includes treatments like check-ups and minor fillings, and major dental can include serviced like extractions, crowns and dentures.  When choosing the best dental cover for you, it can be important to weigh up these options alongside your expectations and requirements. Think both short and medium term and what treatments or services you might need. If you have children, then fillings or extractions could be in your future. If you are older, then think about services like crowns or dentures. If you play sport, customised mouthguards can fall under dental cover.  

Prevention is always better than cure and at GMHBA we take that very seriously. Some of our policies can offer 100 per cent back on preventative treatments, but make sure you check the annual limits on all dental covers.

As a general rule, the amount of benefit you receive depends on the type and level of care you choose. The higher your level of cover, including dental cover, the more likely it is you will have more extras available.

So, think about what you and your family may need and pick the best health insurance policy with the maximum extras.

Is dental cover expensive?

Like most health insurance policies, there are different levels of dental cover. As mentioned above, the options and level of benefits can vary, based on your needs and your budget.

Bear in mind there may also be out-of-pocket expenses when you claim for dental treatments or services. Discuss what these may be with your dentist and GMHBA before the treatment begins. That can help you get the most out of your dental cover and ensure there are no surprises along the way.

Depending on your income level, there may be tax incentives and rebates for signing up for private health cover, especially if you combine your extras cover with hospital health insurance. Hospital cover is for when you are admitted to hospital and can be a key part of your best health insurance plan.

One thing is for sure, going to the dentist can be expensive, but at GMHBA we want to give you the peace of mind of knowing the best dental cover for you is available if you need it.