Private dental health funds typically cover a range of dental services
General Dental, Routine and preventative care, including check-ups, cleanings (scale and polish), fillings, extractions, and x-rays.
Major Dental, More complex and costly procedures such as crowns, bridges, dentures, root canal treatment, and sometimes implants.
Orthodontic, Treatments like braces and aligners to correct teeth alignment.
Endodontic, Treatment of the tooth’s pulp, such as root canal therapy.
The specific services covered and the level of benefits vary significantly between different funds and policies.
Reduced Out-of-Pocket Costs Helps offset the often-high costs of dental treatments, making dental care more affordable.
Access to a Wider Range of Services Covers services not typically covered by Medicare, such as general and major dental treatments.
Preventative Care Focus Encourages regular dental check-ups and cleanings, which can help prevent more serious and expensive problems down the line. Some funds offer 100% back on preventative services at preferred providers.
Choice of Dentist Generally, you can choose your own dentist, although some funds offer higher benefits if you visit a preferred provider within their network.
Coverage for Unexpected Events Can help with costs associated with dental emergencies or unexpected major dental work.
Potential Coverage for Cosmetic Dentistry Some policies may include benefits for cosmetic procedures like teeth whitening or veneers.
If you have Bupa Extras cover which includes general dental combined with Hospital cover, you’ll enjoy a range of benefits when you visit one of our Members First Platinum dentists.
This means you’ll pay nothing for a range of services, including dental check-ups, scale and cleans, bitewing X-rays, mouthguards and fluoride treatments (up to yearly limits).
You can receive 100% back on two check-up and cleans, including up to four bitewing x-rays. Note: Limited to two dental check-ups on all extras annually**
You can also receive 100% back on a mouthguard each year, up to annual limits***
*Yearly limits apply. Waiting periods, fund and policy rules apply.
Check your annual and service limits.
Check your cover at medibank.com.au
* Treatment fees and discounted rates are can be reviewed at least annually and may be subject to change.
Our no-gap dental program, More for Teeth, is now available on Basic extras cover. Here’s how it works.
You can now claim 100% back on a range of the most common diagnostic and preventive services through a More for Teeth provider (subject to your annual limits and any waiting periods), including:
What’s included with First Choice dental practitioners
Finding the right dentist is important. That’s why, at Dental On Clarendon your local nib First Choice Providers in South Melbourne, we pride ourselves on putting our patients first.
Get the most out of your Extras benefits with agreed First Choice network rates, which can help lower your out of pocket costs and stretch your Extras limits further.
First Choice network of dental practitioners offer treatments at agreed rates to help reduce your out of pocket costs, such as:
Urgent care same-day appointments.
Minor dental surgery
Root canal therapy
Mouth guards
Fillings
General dentistry check-ups for the whole family (if you have Family extras cover)
What is nib’s First Choice dental providers?
The First Choice Providers are dental practitioners who deliver quality care and value for money by offering agreed rates for nib members.
nib First Choice provider agreed rates, mean you could pay less and your Extras limits could last longer.
An agreed rate is a set price agreed upon by nib and your healthcare provider for certain services or treatments.
How much do I get back from nib?
The amount you get back depends on your level of Extras cover. Our current range of Extras covers offer 50% to 75% back per visit at any recognised dental practitionerˣ, up to your annual limit.
By seeing a First Choice network provider you can benefit from agreed rates, which can help lower your out of pocket costs, and make your dental Extras limits last longer, leaving more cover for unplanned dental treatments.
What does orthodontics include, and am I covered?
Orthodontics is a specialised dentistry service that focuses on helping to correctly align teeth, bites and jaws. If your health cover, includes orthodontic benefits, you may be able to claim costs for various procedures such as braces and plates.
What are the orthodontia annual limits?
Orthodontia benefits start with an annual limit that increases each year. After serving a 12-month waiting period, you can begin claiming up to this starting limit.
For each calendar year with nib, your orthodontia annual limit increases by $100, regardless of previous orthodontia cover. For example, if you start with an $800 limit, it will increase to $900 in your second year, $1000 in your third year, and so on.
Each plan has a lifetime limit for orthodontia benefits. Once this lifetime limit is reached, no further claims can be made for orthodontia.