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Use It or Lose It – Dental Benefits

Choosing dental cover as a part of your private health insurance is a great decision. Keeping on top of your oral hygiene is sure to continue to pay off well into the future and private health insurance can go a long way towards keeping your costs under control.

For most people and most health funds though, your dental benefits will expire each year – meaning there’s no roll over of funds. In other words, you use it or lose it every 12 months. As we rapidly approach the end of 2017, it’s time to start thinking about what you have and haven’t used from your health insurance.

What have you paid for?

If you’re anything like the majority of Australians, you’re probably paying upward of $50 per person every month for your cover. This quickly adds up over the year, and so it just makes sense to ensure that you’re getting the very most value from your cover. For most funds you can easily log into your account online and see the total of your unused benefits. This is always worth being aware of, but especially if you have dental cover.

How do annual dental benefits work?

The answer to this will be slightly different for everyone as your heath fund will have its own unique ways of doing things and your contract or plan will be specific to you. Generally speaking though, most people will have cover that allows for one to two check-ups and cleans each year (one every six months, this depends on your individual cover agreement and fund) and then a limit for general and major dental, which will expire and be renewed every 12 months. That is, if your limit for general dental is $1000 and you don’t use any of it, it will disappear for the new year – most health funds won’t roll it over.

What now?

Now that you’re in the know about how your health fund works and you’ve checked the balance of your unused benefits, it’s time to take action – before the end of the year. If you haven’t had one or both of your dental check-ups yet this year, that’s a great place to start. From here your dentist will be able to thoroughly look at your teeth. As with most medical practices, early intervention is key, so if your dentist sees anything out of the ordinary, they’ll be able to put together a treatment plan for you. Prevention is also key, so your dentist will be able to go over proper brushing and flossing technique to ensure your teeth stay in the best shape possible.

While the end of the year is a busy time, it’s also worth remembering that if you have kids, you’re probably paying for family health insurance. This means your kids will also be entitled to dental check-ups. The school holidays are a great time to get these done, and the perfect opportunity to get in before the year refreshes.

As a Preferred Provider for Medibank Private, HBF and CBHS we can offer you your maximum rebate level, we know that you’ll be wanting to make the very most of what you’re paying for. Get in contact with us today and we can help you get your teeth in tiptop shape before your benefits expire.