Should I get Dental Extra’s Cover?
It is hard to know where to start with Dental Extra’s cover. The value that people get out of Dental Extra’s cover varies highly from individual to individual and from health fund to health fund.
The principal differences between health funds are whether or not you are rewarded by the health fund (with higher rebates and sometimes reduced fee’s) for being treated by the health funds ‘in house’ dentists or the degree to which you have freedom to choose the dentist you see without penalty.
Another principal difference is the range of rebate received (usually this is a pro-rata amount) for the amount of premium you are paying.
Having a dentist with a HICAPS electronic terminal on-site allows convenient on-the-spot claiming, meaning that you will only have to pay the resulting ‘gap payment’ after your claim is processed.
The extent of private health cover taken by someone will usually be a result of the government incentives (e.g. the 30% government rebate) and penalties (1.5% Medicare surcharge + over 30’s surcharge).
At Dental on Metro we provide a Gap Free initial visit regardless of which Dental Extra’s cover you have! We are also preferred providers for all BUPA clients meaning discounted fees and higher rebates. We also have HICAPS on-the-spot claiming. Enquire about our Gap Free Initial Check and Clean (x-rays included) on 8260 1007.