Health Insurance - Are you claiming your benefits?

Health insurance is a huge topic of discussion at our reception desk! Many patients ask which ones are the best for dental cover – the reality is, all health funds have their pros and cons. The most important thing to consider is your current and future dental needs when deciding whether to take on health insurance or self-fund your treatment.

We have a good split across both camps – those they do have health insurance – with extras like dental, physio and optical, those that only have for hospital treatment and those that put a bit aside each month as if they were paying for health insurance as a type of kitty for when they need treatment.

The critical aspect when it comes to dental care is prevention is better than cure, because a filling or a strengthened tooth today can prevent a cracked tooth that needs root canal or an extraction later!

The key thing with health insurance is to know what cover you have and utilise this to your best advantage.  You’ve already paid for it so don’t let it go to waste!  In an ideal world, unused health benefits would accumulate year to year, unfortunately your ‘quota’ resets either in January or July each year depending on the fund, they are not carried over from year to year. This is where a developing a prevention Vs cure relationship with your dentist can save you money – if you regularly attend your routine appointments, we can identify future issues and support you to develop a plan for your future dental needs and treatment plan to ensure your oral health isn’t compromised AND you can use your benefits effectively.

As the end of the year creeps up, if you’ve been discussing with your dentist that you might need some treatment on your teeth, now is a great time to plan ahead. Once you’re armed with this information, you can make informed choices for your treatment options and treatment decisions with your dentist to ensure your oral health is supported AND you use what you’ve already paid for!

At Dental on Cambridge, we pride ourselves on being transparent with any treatment planning and pricing, and we can always provide an on-the-spot quote for any treatment with your health fund. If you’ve been thinking about getting on top of your dental healthcare and are looking for a caring and passionate team to help you – give us a call on 3348 6661. We’re looking forward to helping you!