In Australia, there are many health insurance companies who are also offering coverage for your dental needs. Dental health insurance varies for every provider based on its coverage, its benefit limit, and its accredited or participating dentist or dental practitioner. Let us find out how dental health insurance works in Australia.
Dental Health Insurance: How it works
Dental health insurance is part of your health insurance plan. You can either stick with the basic dental coverage that comes with your health insurance plan or upgrade into a comprehensive dental health coverage that would cost you higher monthly premiums but could cover more dental procedures. You should know what dental procedures you would need and compare it to your health insurance’s coverage list. Depending on your dental coverage, your health insurance can cover the cost of treatment entirely or partially. This set-up makes going to the dentist more convenient and affordable.
What are the types of dental health insurance?
Dental coverage basically comes in two types – the general and major dental coverage.
General dental insurance covers preventative procedures, treatments, and services like initial dental consultations, teeth cleaning, basic fillings, and fluoride treatment.
Major dental insurance covers complex treatments that include surgery, orthodontics, endodontics, and other cosmetic dentistry procedures and services. They can also cover emergency dental services as stated in your dental health insurance policy.
What should I look for in a dental health insurance plan?
Know your dental condition. Before anything else, you should first know your dental needs. Are you currently having dental problems that need the attention of a dental specialist? Or are your teeth generally in good condition? Knowing and understanding your needs is essential in finding the best dental health insurance plan for you. Once you know what you need, compare it to the different dental coverages insurance companies have. Choose the one that covers most of your dental needs.
Check your insurance’s annual limits. An annual limit is a maximum cost that you are entitled to claim on your insurance plan every year. So, your dental procedures and treatments should only sum up to less than or equal to $1000 if your annual limit is $1000.
Know your benefit limits. These are specific limits on different procedures. Depending on your insurance conditions, they may only pay for half or two-thirds of the cost of a dental procedure and expect that you pay for the remaining charge. This benefit limit will also come off of your annual limit. For instance, if you are going to have a dental filling worth $200 and your benefit limit for this procedure is $150, you will have an out-of-pocket charge of $50. The $150 shouldered by your insurer will then be deducted from your annual limit.
Know if your insurance plan has a no gap dental policy. Remember the out-of-pocket charge we talked about earlier? That is called a gap. Some dental health insurance plans have a no gap dental policy where patients get to have complete coverage of specific dental procedures. Understand and familiarise yourself with the list of procedures covered by this policy so your trips to the dentists will become bearable and affordable.