Dental Health Insurance in Australia
People requiring dental treatment in Australia can turn to their private health insurance plan to cover some of the costs. Private health insurance policies are not a “one-size-fits-all” model, and varying levels of coverage are available, depending on your chosen policy. Usually, preventative dental treatments like oral exams, scaling and cleaning, and minor fillings are covered. For more complex work, you may need to take out an extras policy.
What is HICAPS?
HICAPS stands for Health Industry Claims and Payments Service.
It is an electronic healthcare claims system that enables patients to make on-the-spot claims for certain dental treatments.
HICAPS allows you to claim on-the-spot
For Some Treatments
Provide Your Health Insurance Card
Following your treatment, our receptionist will ask if you have private health cover. Once you provide your card, we’ll swipe it through the HICAPS electronic claiming terminal.Automatic Contribution Processing
Complete the simple, one-page direct debit form. There’s no need for credit checks and you won’t have to provide detailed financial information.Pay “Gap Payment” If there Is One
In some instances, some portion of the fees may be outstanding and will have to be paid by you. This is referred to as a “gap payment’.NEW TO TOORAK DENTAL STUDIO? DISCOVER OUR IDEOLOGY OF CARE
Private Health Insurance Frequently Asked Questions
At Toorak Dental Studio, we accept all major Australian health insurance funds. When visiting us for a check-up or treatment, make sure you bring your health insurance card with you and we’ll swipe it using HICAPS to automatically deduct the maximum possible rebate, to save you as much money as we can.
The amount you save depends on your level of coverage. By taking out extras cover on your policy, this covers you for more complex treatments.
We’re unable to advise on what your insurance covers, and you’ll have to contact your policy provider to find out. However, preventative dental treatments (such as check-ups, scaling, cleaning and small fillings) are covered by most health funds, while other treatments may only be covered if you have an extras policy.
If you’re unsure if you’ll be covered, check with your health insurer prior to your appointment.
Taking out private health insurance provides peace-of-mind that you and your family will be able to access the highest quality dental care - and won’t be impacted by high bills following any preventative, restorative, cosmetic or surgical dental treatments.
Medicare only covers certain treatments for eligible adults and children in Australia. If you’re not eligible for this coverage, consider your private health insurance options.
The amount of cover you’re eligible for entirely depends on your insurance provider and the policy you have taken out. Many health funds pay around half the cost, although this varies and you should carry out your own research.
Check the ‘General treatment, Extras or Ancillary’ section of your policy to find out what you’re covered for.
If you don’t have private health insurance, we’ve developed ways to ensure you can still access high-quality dental care in Melbourne. Whether you need essential treatments or you want to enhance your smile aesthetically - we believe everyone should be able to achieve this, stress-free.
We offer payment plans such as DentiCare to cover the cost of your treatment. Plans are interest-free and it’s easy to get started and choose your own repayment schedule; just speak to the receptionists at Toorak Dental Studio for more information. Discover if DentiCare is right for you
Ask us a Question
We are happy to answer any dental health insurance-related questions.