How does dental cover work?

It’s not just the primary school dental bus nurses or nagging parents that think regular dental check-ups, cleaning and fast treatment for minor dental problems are important. All these things can stop more serious and expensive dental problems down the track. Even a simple dental check-up can be expensive, which can be reason enough to keep Aussies away from the dentist – that and the drilling, of course. Having cheap dental insurance can be affordable, which can be important given the cost of check-ups and other more expensive treatments and services. The question is how to choose the right dental cover from the right health insurer for the right price?

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* 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

While dental treatment might be expensive and complicated, we don’t think finding the best cheap dental insurance should be. At Frank, we think health insurance should be simple and affordable. It should be simple to find, simple to use and simple to claim. And there is no point paying for a heap of stuff you will never use, so we have designed our covers to make it easy for you to find the best and most simple cheap dental insurance for you.

We’ll start with the basics of cheap dental insurance. Most health funds have two covers – hospital and extras. Hospital insurance can cover you for all the things you need when you are admitted to hospital, including surgery. Extras cover can provide benefits for a heap of treatments and services outside of hospital, like physio, chiro, optical and things like alternative therapies. Dental is usually included in extras cover. Most Australian health funds offer two different kinds of dental insurance – major and general. General can provide benefits for the less complicated stuff like check-ups, fillings and simple extractions. Major dental is for the more complicated stuff like root canals, crowns and bridges and dentures. 

How much can I get back?

When it comes to extras cover and cheap dental insurance, most health funds will offer policies with different dental cover options. This can help you to pick the cheap dental insurance you can afford. Generally, the more extras included in a policy, the more expensive the premiums are. Most health funds will also provide either set benefits for extras covers, or a percentage back. That means that a health fund will pay for either a set amount or a percentage of the cost of treatments. While we believe in simplicity, we also believe in choice. Both our cheap dental insurance policies offer benefits of 50% or 80% back, which allows you to choose the right policy for you, as well as decide how much you want to claim. You might be thinking: “Why wouldn’t I want to claim more back on each dentist visit?” Well, there are two quick answers to that. The first one is that a policy with 50% benefits might have cheaper premiums than the 80% one.  The second answer is around annual limits. Annual limits are the maximum amount you can claim in a calendar year for specific treatments as part of your cheap dental insurance, and all other types of extras cover. So, having benefits of 50% instead of 80% can mean that you can spread the annual limit out over the course of the year – this is ideal if you are likely to use the dentist more regularly than the odd check up.

When can I start claiming?

In Australia, most health funds have the same waiting periods when it comes to cheap dental insurance. For general dental, it is usually two months. For major dental, it is twleve. So, it can be worth signing up as quickly as you can if you think cheap dental insurance is something you might need in the near future.

Another little tip is to shop around when it comes to choosing the right dentist. Most cheap health insurance covers (and even expensive ones) will only pay for part of the dentist's bill. Dentists don't have standard pricing, so if you want to pay as little as you can for your treatment, it might be worth comparing dentists and what they charge. Some funds may require you to have treatment at specific dental clinics, or with dentists, linked to them. We don’t do that at Frank. We want you to have the freedom to choose whoever you want. That can make things a lot easier and can make it easier to fit treatment into your budget.

Like all important decisions, you should always check the fine print and make sure any cheap dental insurance policy fits your lifestyle and your needs. Look for private health funds that offer many options and are available at a reasonable price. Make sense? Take a look at our low-cost extras cover here.

Skip 2 and 6 month waits on extras when joining on combined hospital and extras cover by September 30*

Get a quote * 12 month waits, annual and sub limits apply. Applies to new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Offer ends 30 September, 2017.