Dental Insurance & Payment Plans

Complete Dental Insurance and Payment Plans Advice

Australian Dental Insurance and Payment Plans Advice


Most likely, Dental Clinics offering their own Instalment Monthly Payment Plans will add a Massive Additional Cost to the to Total Price or Very High Interest Rates. DO YOUR MATHS !!! If you are not good at it , ask a friend who is,  to help you. 

The Illusion of these Small First Deposits and Hidden Interests Rates are usually much Higher than even normal Credit Cards ! 

If you do not have a Credit Card with Low interest Rates or The Money to pay the the treatment, make sure you Calculate the Total Cost After all the Payments.

There are today Independent Dental Payment Plans Companies that offer a Much more attractive and fair option to pay off your Dental Treatments. The Interest Rates or additional costs and fees are usually much Lower than the ones offered by the Dental Clinics.

Check the Following Links if you want to find out more:


Did you know the most claimed private health insurance areas in Australia relates to dental services? Unfortunately, not everyone is fortunate enough to have “gold standard” health insurance coverage to take care of every possible combination of health care situation. Having a dental health insurance plan is the best option to deal with unexpected dental costs. But, remember private dental coverage is not a ‘one size fits all’ solution! So, it’s imperative to choose the right dental coverage option to escape the risk of being improperly covered when you need it the most. Here are a few details to clear up the dental health insurance myth in Australia that enables you to make a more confident and informed decision.  

How Dental Health Insurance Works?

Dental coverage falls under general health insurance plan and provides the provision of adding extra dental cover for an extra premium. By reviewing your cover time to time you can ensure that your policy adheres to the healthcare needs.

Different Types of Dental Coverage

In Australia, there are two different types of dental coverage options available and it varies from one health insurance provider to another. Namely,

  • General Dental Coverage
  • Major Dental Coverage

General dental coverage covers most types of preventative dental works like annual checkups, cleaning & fluoride treatment, minor fillings and more. Major dental coverage includes major dental procedures such as complex fillings, tooth extractions, crowns, bridges and orthodontics.

Note: But, any cosmetic dental work procedures that are done to enhance the appearance of your look and are not medically necessary will not be covered by any Australian health funds or medicare.
Choose a high level dental plan if you think that you need a complex or expensive dental procedure like dental implant and veneers.

Tips to Choose a Dental Health Insurance Plan

It’s a difficult and daunting task to choose a dental health insurance provider from a wide pool of dental health insurance providers in Australia.

So, while choosing a dental insurance in Sydney, keep in mind your oral condition to select the right plan. You don’t have to choose a plan that covers the major dental complications if you are young and your teeth are in a really good condition. Just choose a basic dental plan that convers you for general dental. Also, make sure that you take advantage of the discounted preventive dental benefits to ensure your teeth stay in good shape.

You can also choose a general dental health insurance plan of you is a single. Also, consider a major dental health insurance that covers orthodontics/braces, wisdom teeth removal and dentures, if you’re a family or older couple. Find a dental health insurance provider by doing your own research and make decisions based on your own unique circumstances.

Other important factors to consider while choosing a dental health insurance provider are,

  • Age
  • The state of your dental health
  • Your financial situation
A Detailed View
  • As you get older, you may require extra dental coverage.
  • Choose a dental coverage depending on your individual needs because some seniors have a good dental health while even the young adults have severe dental issues.
  • People who may not find an extra dental coverage include individuals who come under high-income bracket and those who are enrolled in an employer-sponsored “gold standard” health care plan.
  • A dental insurance plan should be decided based on the economies of the collective family unit. You may require an extra coverage if the dental expenditure of your family is very high.

Also, you should look for freebies offered by a dental insurance provide to enjoy huge benefits. Some funds may also provide priority dental appointments to its members and get preferential treatment when it comes to booking appointments or seeing a dentist, even if it is an unscheduled visit.

Insurance providers also set an annual limit for each of the “extras”, while others may not have limits for certain extra coverage options. You will save more if you choose a higher annual limit and you will benefit the less if you choose a lower limit for your dental insurance in Australia.

Waiting Period

Depending on the type of the dental insurance, the waiting period may vary. For a general dental plan, the waiting period is 2 months and for major dental procedures, you should have to wait times of up to 12 months. This is the maximum allowable waiting period for a dental insurance plan, so always go for one that has a shorter waiting period.

Most of the dental insurance providers also provide ‘no gap’ dental option to incur when they visit their dentist for procedures such as check-ups, removal of plaque, cleaning, x-rays and other routine treatments.


All information on this website is not intended to substitute professional dental service or advice from a licensed practitioner. We do not accept any responsibility for any errors or emissions. Your physician or health care practitioner should be consulted if you have any medical questions needed to be addressed as we cannot provide you this information. By purchasing or using products and/or services recommended on this website you are agreeing to the fact that you have acknowledge and understood the risks involved and that any adverse effect will not be the responsibility of Dental Costs Australia.