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Using your health fund for dental: how rebates work
Extras cover can help with dental costs, but it rarely covers the full fee. Knowing a few terms helps you avoid surprises. Here’s how it usually works.
Check-ups, cleans, x-rays and small fillings on most extras policies.
Major dental
Crowns, bridges, dentures and some surgery. Often a higher level of cover with longer waiting periods.
Annual limits
Most policies cap what they pay per person per year, sometimes per category.
Before major treatment
A few checks with your fund can save surprises.
Ask for an itemised quote with item numbers
Ring your fund with the item numbers to check your rebate
Check waiting periods if you've recently joined or changed cover
Check what's left in your annual limit
Ask whether treatment can be spread across calendar years
How we help
We give itemised written quotes with item numbers, and claim through HICAPS at your appointment so any rebate comes off on the day. Payment plans are available for the remaining amount.
Any surgical or invasive procedure carries risks. Before proceeding, you should seek a second opinion from an appropriately qualified health practitioner. This page is general information only and not a substitute for an examination. Individual results vary.