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.

Reception desk at Omega Dental and Cosmetics, Jordan Springs, with the practice logo on the wall behind

Key terms

General dental

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.

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.

Common questions

Health funds pay a set rebate per item, which is usually less than the full fee. The difference is the out-of-pocket amount.

No. We accept all health funds and claim through HICAPS.

Some policies contribute to parts of implant treatment under major dental. Check with your fund using the item numbers.

Generally not for adults, though the Child Dental Benefits Schedule covers basic care for eligible children.

Related Treatments

Fees and payment options

HICAPS, written quotes and payment plans.

General dentistry

Check-ups, cleans, fillings and emergencies.

Child Dental Benefits Schedule

Who’s eligible and what’s covered.

Get an itemised quote

Book a consultation and we’ll give you item numbers to check with your fund.