46% of Australians have private health cover. If you are one of that 46% – are you making the most of your health insurance?
Many people who have private health insurance and extras don’t take full advantage of their cover, and that seems like a real waste. It’s a bit like having an expensive gym membership you never use……
In most cases, unused health fund benefits don’t roll over to the following year, so if you don’t use them, they are gone forever.
Check with your health fund to see what dental benefits you have and if they expire on a calendar year basis. And understand what you are entitled to.
Typically, dental coverage in Australia is split across three areas:
- Preventative (Checkups, X-Rays, Scale & Cleans)
- General (Simple Fillings and Basic Extractions)
- Major (Crowns, Root Canals and Complex fillings)
Exactly what is classified as preventative, general or major varies from one health insurance provider to the next. So please check your own private health insurance to see what you are covered for.
If you’ve already paid for these benefits; make sure you use them! Here are four important reminders:
Delaying simple treatments when first detected could potentially be more expensive later. Prevent costly and serious treatments by making use of your dental insurance when the problem first pops up.
✔️Prevent, Prevent, Prevent
Prevention is the key. Keep your oral health on track. Preventative appointments, including 6-monthly check-ups and cleans, are typically covered by your insurance.
✔️Understand the Gap
The gap is the difference between the price of a dental treatment and what your insurer will pay. You pay the gap ‘out-of-pocket’.
Every insurance policy is different so have a good read of your policy.
✔️Understand what you are entitled to
Do some research when looking for the best Private Health plan to suit you and your family. Ask about your annual limits for extras. And think about whether you are paying for extras you will just never use.
Ring your fund. Shop around. Maximise your policy.
At Jannali Dental Care, we are passionate about providing quality dental care that is as affordable and accessible as possible for singles, couples, and families.
Take an hour out of your busy schedule before the end of the year to use the benefits you are entitled to. Don’t let the rest of the year slip by without seeing us!
Remember: You’ve PAID for these benefits. Use them, don’t lose them!
Give us a call on (02) 9528 9204 to make an appointment. We promise to look after you.