What singles cheap health insurance plans have dental cover included?

Discover the benefits

When it comes to looking after our health, our mouth usually isn’t a big priority. We are conditioned to thinking about our heart, our weight, our diet, our exercise, even our skin. We are rarely told to make our dental health a huge focus, to make sure our gums are in top nick and to check our mouth thoroughly often. Sure, we have been told since we are kids to brush our teeth twice a day and visit the dentist every six months. But being truthful, as we get older, how many of us do it? How many of us visit the dentist twice a year and take close notice of our oral health? We all should. There is a clear link between our dental health and our overall health, and having a focus to compare cheap extras plans to find the best dental cover for you can be important.

* The price shown is per week and applies to a {LIFESTAGE} living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

Visiting the dentist regularly can help prevent decay and can also allow for small problems to be picked up before they become big problems. And making it a priority to compare cheap extras plans to find the right one, especially the right dental one, can be important when you need it most. If you urgently need dental treatment, then you REALLY need dental treatment. Fillings or abscesses usually aren’t the kinds of things that creep up on you. They usually hit you all at once, and putting treatment off usually isn’t an option. So getting in early with a strategy to compare cheap extras plans to find the right dental cover can be a very smart move.

Discover the options

Dental cover is very, very popular. In fact, the value of claims for dental treatments is more than double the other extras treatment claims combined. That means health funds understand the importance of providing choice and giving you policies that are flexible, affordable and easy to understand. That is our philosophy at Frank. We reckon being able to compare cheap extras plans should be easy. Extras cover provides benefits for treatments and service you usually don’t go to hospital for, like dental, physio, chiro and much more. The other kind of health cover is hospital insurance, which could cover you when you are admitted to a private hospital, or to a public hospital as a private patient. There are also two kinds of dental covers under extras insurance. General dental provides benefits for the simpler dental procedures like check-ups, fillings and basic extractions. Major dental can provide benefits for the more complicated treatments like root canals, complex extractions and crowns and bridgework.

We have two extras covers – Lots Extras and Some Extras – and they both provide benefits for general and major dental. This can make looking to compare cheap extras plans easy, but it doesn’t mean there isn’t choice. Both our extras plans have two different benefits levels – 50% or 80%. That means you can choose what percentage back you want when taking out your policy. Choosing a lower level of benefit usually means your premiums will be lower, but doesn’t mean the quality of the cover will be any less. It is all about choice and flexibility. Extras covers also come with annual limits, which is like a cap on the overall amount you can claim back on a certain treatment in a calendar year. With our extras plans, the annual limits of our policies are the same regardless of whether you choose 50% or 80% back. That gives you even more flexibility. If you choose 50% benefit, sure you can claim back less per treatment, but you get to spread your annual limits further out across the year. If you are the kind of person that is a regular visit to the dentist, then being able to claim a smaller percentage back on treatments like check-ups that don’t cost as much as the more complex procedures could suit you better. All this should be taken into consideration when you start to compare cheap extras plans.

Discover what you need

So, once you have worked out what covers are available, what else is there to do to compare cheap extras plans? The answer is to work out what you want, what you think you will need and what you expect from extras cover. Are you the type of person that will visit the dentist regularly? If you aren’t now, do you think you will be if you can claim benefits for doing it? Do you want to visit the dentist more because you know it can help you in the long run? Is your dental health good? Is it bad? Do you eat a lot of sugar? Do you play ball sports or contact sports? The answers to all these kinds of questions can help you compare cheap extras plans to find the right one. Remember, extras covers have waiting periods. For general dental it is 2 months, and for major dental it is 12 months. You can also look for total peace of mind when you compare cheap extras plans by bundling together an extras and a hospital cover. We have two options to help you do just that.

Get 1 month free + skip 2 & 6 month waits on extras* when you join on combined cover by March 31.

*For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Must pay first month to receive second month free. 12 month waits, annual and sub limits apply. Offer ends 31 March, 2018.