When it comes to finding the best health insurance for dental needs and other necessities it’s important to compare your options. Today our team at Marriott and Hand near Essendon in Airport West are going to help you understand how health insurance works for dental procedures.
First things first, know what you needThe first question you need to ask yourself is “am I looking for a health fund that will just cover my dental check-ups or do I have a treatment in mind that I want covered?” If you said yes to the first option then you only need General Dental Insurance while if you said yes to the second then it is likely that you need Major Dental Cover.
What is the difference between major dental cover and general dental?General Dental can include:
- Removal of teeth
- Small fillings
Which health insurance is the best for dental?*when viewing this infographic please keep in mind plans are subject to change. This search was performed on 02/09/14 with someone who is 29 years old and the search results may have changed. Please visit iSelect for the most up to date information. According to research performed on iSelect Latrobe had the cheapest health insurance and covered both general and major dental. The second cheapest were Australian Unity and ahm Health Insurance although these did NOT cover major dental. They did however cover some other categories of medical insurance such as physiotherapy and optical requirements – where Latrobe did not. Choosing a plan all comes down to what you need and if you need other types of cover.
COMMON HEALTH FUND QUESTIONS
What does extras cover mean?Extras cover means areas of cover required outside of hospital cover like going to the dentist, glasses and physiotherapy. You may have limitations on your extras cover like a restriction on the amount you can claim per year or the number of times you can claim per year. It’s best to contact your provider or read the terms and conditions of their healthcare plan.
What is a health insurance sublimit?A sublimit is a limit on a claim for a particular need that differs from the plan’s overall policy limit. For example, your sublimit for getting dentures may be different from the limit you can claim for a filling.
Do all health insurance companies cover dental implants?Not all plans cover dental implants. This is usually part of major dental services although if you have a tooth that needs to be removed, this part of the procedure may be covered underneath general dental services. If you need dental implants, contact your current health insurance provider to make sure what your coverage entitles you to, or ring around.
What is HICAPS?HICAPS is a service that lets you claim online rather than having to contact your health fund office. It’s extremely convenient for patients who have private health insurance.
What’s the difference between comprehensive, medium and basic insurance?
- Basic cover means cover that only covers one area such as only general dental or one other area of medical cover.
- Medium cover means a plan that covers general dental, endodontics (such as root canals) and major dental procedures. This cover will also need to cover five other areas of medical expenses including orthodontics, optical, prescriptions, physiotherapy, podiatry, chiropractic appointments, psychology or hearing aids.
- Comprehensive cover will include major and general dental to a higher extent than your average plan, endodontics, orthodontics (like braces or Invisalign), optical, prescriptions, physiotherapy, chiropractic appointments, podiatry, psychology and hearing aids.