It is a fact that Australians know how important it is to have health insurance, right? But are we giving that same significant attention to our dental health? Teeth damage is one of the major problems Australians face. Blame it on a lot of factors; but the truth is, its prohibitive nature and our lack of awareness about its importance limit us from prioritising our dental health. Here, we will learn about the dental insurance Australia offers so that caring for our oral and dental health could be a bit easier.
Dental insurance Australia
Australians often neglect their teeth. In fact, tooth decay is one of the most common health problems we have today. This dental problem could have been prevented with appropriate dental attention. It is easy to say that if one can maintain a regular dental check-up every six months, he or she may be successful in keeping their teeth in tiptop shape for longer.
Dental treatments are expensive that is why Australians opt to forego them. The mere dental visit can cost you up to $250, not including the dental treatment you may need to undergo during the said appointment. Good thing there is dental insurance in Australia.
Dental insurance Australia: The types
There are basically two types of dental coverage – the general dental coverage and the major dental coverage.
The general dental coverage pays for your basic dental needs, including regular dental consultations, teeth cleanings, small dental fillings, x-rays, and plaque removal (scaling). If you generally have a good set of teeth with very minimal dental issues, then this type of coverage would suit you better.
However, take note that there are some insurance companies that will make you choose between a limited or unlimited general dental coverage. From its name, a limited general dental has a maximum benefit limit per dental treatment per year, and an unlimited one can be used as many times as you need within the year of coverage. Remember that these two subgroups have different monthly premiums as well.
Major dental coverage, on the other hand, gives attention to more expensive dental procedures. Mostly cosmetic or orthodontic in nature, these procedures may include the use of dental bridges, crowns, dentures, orthodontic braces, root canal therapy, wisdom tooth extraction or surgery, dental veneers, and periodontic treatments. If you have misaligned teeth and jaws, this type of dental insurance Australia has may help you pay for your dental procedures with ease and convenience.
Dental insurance Australia: Things to consider
Here are some points to think about when choosing the appropriate type of dental coverage and insurance provider that can fit your needs.
Know your dental needs. The level of dental coverage you need should depend on your current dental health. Paying for dental coverage that you rarely use is meaningless spending.
Get what you can afford. Even if you need a higher dental coverage, if you cannot keep up with the monthly premiums it requires, then find a better way to make your needs and means meet.
Annual limits and waiting periods. Know your dental insurance’s annual limits so you can plan your yearly dental procedures and still get covered by insurance. Take note of the waiting periods for each dental procedure. Usually, a 2-month waiting period is needed for general dental coverage and a 12-month waiting period for major dental coverage before you can avail of these services.
Inquire about the no-gap dental policy. Some insurance providers offer no gap dental benefits, where you won’t have out-of-pocket expenses for dental procedures (usually preventative in nature) that exceed your procedure rebate.
With this information in mind, it is now easier for you to choose the best dental insurance Australia offers. Find a dental insurance provider that accommodates your needs best so taking care of your dental health becomes hassle-free and manageable.