5 Tips For Choosing The Best Dental Health Insurance

24 Nov

Title card reading 5 Tips For Choosing The Best Dental Insurance

Choosing the best dental health insurance can often feel confusing and overwhelming. When researching different insurance policies it's important to consider your individual needs. To help you as you choose the best dental health insurance, we've developed the short guide below.

5 Tips for choosing the best dental health insurance

Slide one advising patients to seek independent advice about dental insurance

1. Seek independent advice from an insurance comparison service like the Fair Health Care Alliance. This way you can see if you’re getting the product that is the best fit for your personal circumstances.

Slide two advising cover for emergencies such as replacing or crowning teeth

2. Make sure it actually covers what you really need. This includes unexpected procedures such as replacing a tooth in a dental emergency or crowning a cracked tooth.

Slide three urging clear, transparent wording about what a policy covers

3. Make sure it is clear and transparent about what it covers and what it does not. There’s nothing worse than being surprised by a bill you thought would be covered under your plan.

Slide four about keeping the dentist of your choice at equal rebate

4. Make sure it lets you see the dentist of your choice with an equal rebate. Some providers will railroad you towards discount dentists (preferred providers).

Slide five about covering treatments you expect to need, such as orthodontics

5. Make sure it covers you well for the specific things you think you will need in the near future. This might be procedures such as orthodontics or dentures.

If you have children, the Child Dental Benefits Schedule may already cover part of their care.

Slide suggesting hospital cover or a personal savings fund instead of extras

As an alternative to purchasing dental health insurance, you may find that it is better to only keep your hospital cover and get rid of your extras cover. Or you could set up your own savings fund to make sure you have what you need to cover preventative care each year, as well as, unexpected events.

It is worth comparing those numbers against our fee schedule before you decide.

If you would like to book an appointment at Ethical Dental call 6652 3185 or book online. Disclaimer: this is not intended to be individual insurance advice, you may need to seek out professional advice that is specific to your individual situation. How often you actually need to visit also affects the sums.

Dental costs & rebates

Dr Sam Rosehill

Principal dentist at Ethical Dental and Orthodontics, Coffs Harbour and Dorrigo. Postgraduate training in prosthodontics at King’s College London, with a focus on crowns, dentures, implants and the practice’s on-site laboratory.