Make the most of your dental health fund benefits before EOFY
As the End of Financial Year rapidly approaches, it’s important to make the most of your remaining dental health fund cover before it resets. Booking your dental appointments before June 30 is not only helpful in maintaining your oral health, but is also financially beneficial. Let’s explore this a little more.
EOFY Urgency: Why should I book now?
With June 30, fast approaching, there’s typically a significant increase in demand for dental appointments as many individuals rush to use their expiring dental health benefits. Waiting until the last minute not only increases your chances of missing out on your preferred dates, but may also limit your access to necessary treatments due to fully booked schedules. Booking in now gives you the advantage of flexible scheduling, ensures you have ample time for any follow-up treatments, and avoids unnecessary stress.
Shockingly, a significant number of Australians leave their dental insurance benefits unused each year – essentially leaving money on the table. Make sure you maximize what you’re already paying for.
Don’t get caught in the last-minute rush – book your appointment today to secure the best care and convenience.
What’s included in my dental health cover?
Most health funds divide dental cover into two main categories: General Dental and Major Dental – and the difference can affect how much you pay out of pocket.
General Dental includes routine treatment, like:
• Oral Examinations
• Scale & Cleans
• Fluoride Treatment
• X-Rays
• Fillings
• Simple Extractions
Major Dental includes more complex treatments, like:
• Crowns and Bridges
• Dentures
• Root Canal Therapy
• Surgical Extractions
• Dental Implants
• Some Orthodontics
At Keys Dental, we’re proud to be preferred providers for Medibank, NIB, HBF, and Bupa Platinum. This means that eligible patients with these health funds can often enjoy general dental services with either no out-of-pocket costs, or a significantly reduced gap payment. Major dental services usually fall under a different limit, often with higher out-of-pocket costs, waiting periods, and sometimes annual limits.
We want to help you make the most of your dental coverage. Our on-site HICAPS machines allow for immediate claim processing, and our friendly team is here to help you understand what’s covered, and provide quotes you can take to your health fund for clarity. Coverage varies and it’s always good to review your policy and contact your insurer to confirm how much of your treatment will be covered.
What are the benefits of regular dental visits (for me and my family)?
Regular dental check-ups offer substantial long-term advantages beyond just maintaining a bright and healthy smile. Consistent preventive care helps identify minor oral health issues early on, significantly reducing the risk of developing more severe dental conditions, like cavities, gum disease, and oral infections. Early detection often means simpler treatments, less discomfort, and lower overall costs.
Routine dental visits also positively impact your overall wellbeing by reducing the likelihood of systemic health issues linked to poor oral hygiene, such as cardiovascular disease, diabetes complications, and respiratory infections. Regular interactions with dental professionals can further minimise dental anxiety, as familiarity and routine make each visit less intimidating, which is especially beneficial for children.
Investing in regular dental check-ups and professional cleans sets your family on a path towards long-term oral health, fewer dental emergencies, and improved quality of life. Making preventive dental care a family priority establishes healthy habits that last a lifetime.
When do my health fund benefits reset?
Most Australian private health insurers reset their dental extras benefits annually. The majority reset on January 1, aligning with the calendar year. However, numerous smaller and boutique insurers reset on EOFY – June 30. This variation can cause confusion, and understandably so, so it is critical to check directly with your insurance provider.
By verifying your reset date, you can strategically plan your dental care throughout the year, maximising your insurance benefits and avoiding unnecessary out-of-pocket expenses. We encourage you to review your policy carefully or contact your insurer directly to confirm when your dental health benefits reset.
Book your dental appointment before June 30
Don’t let your dental health benefits go unused. Contact Keys Dental today and to avoid disappointment and secure your appointment before June 30. Protect your oral health, and gain peace of mind knowing you’ve made the most of your health fund coverage!
