Today we have Veena once again joining us in a discussion on dental health insurances and myths behind them.
Hi Everyone, hope everyone is doing well and staying safe with the pandemic that is currently affecting all parts of the world. Today we have Veena once again joining us in a discussion on dental health insurances and myths behind them. What are some of the questions to ask when choosing the best cover for you. Welcome Veena.
Thank you, Dr Shilpa.
I am curious to know why you chose this topic for our podcast?
I am sure we all have wondered at some point if our Insurance is the right one for us and if there are other better options. I’ve lost count of the number of questions we get asked everyday by patients regarding health funds is. So I thought it would be helpful for our listeners who are currently looking into getting dental insurance or planning to change their current plans. There are many myths and truths behind each fund and we wish to share with our listeners about some of them.
So I am excited to be uncovering some of the secrets. A common question that comes up time and again is when is the best time to have elective treatment for crowns and complex dental work?
First of all it is important to discuss your treatment plan with your dentist who will prioritise the sequence of treatment with you as well as go through the number of appointments required. Another factor to consider with extensive treatments is whether a health fund follows the calendar year or financial year and the annual limits. This way you can maximise the benefit you receive from your fund and don’t need to defer your treatment.
Another one is do big funds give you more choice of health care practitioners?
Not necessarily. Large funds tend to attract members through schemes such as no gap dental care but small funds also can offer deals. The range of policies out there is bigger than most people realise and it definitely pays to shop around. At the end of the day all health funds will pay normal benefits for services provided by qualified professionals.
In terms of health fund rebate, what is the difference between general dental and major dental cover?
Excellent question. Each of those has a different level of coverage with insurance policies. Examples of general dental includes routine treatments such as checkups, fillings, xrays while major dental refers to specialised procedures like braces, wisdom teeth surgery, and root canal treatment.
What are the waiting periods for dental cover?
The waiting period is basically the amount of time you need to wait from when you start your policy to making your first claim. In the past people have misused the system by claiming for treatment and cancelling their cover before paying to the provider so the waiting period eliminates such breaches. The waiting period varies from one dental insurance to another. General dental is usually 2 months and Major dental is 12 months.
What about for the public that can’t afford regular high cost premiums of health insurances?
There is always options. They may be eligible for free dental treatment for their kids between the ages of 2-18 if they receive certain family benefits. This is to the value of $1,013 over 2 calendar years. We can check on your behalf for eligibility to simplify the process and bulk bill our patients for the treatment. Or for the pensioners, Queensland health also issue general vouchers worth $750 and emergency vouchers of $260 for treatment that can be done at our practice.
Ok. Sounds like a plan. Thank you veena for the time and sharing some good valuable tips. I am sure our listeners are more well informed now after listening to this podcast. This will help our patients when deciding on a cover that is best suited to them but the key take home message is to do your homework and shop around. What might suit one may not necessarily suit another person. So with this in mind we are going to say good bye.
If you require any further information, please don’t hesitate to call us and our wonderful staff can further assist you. Thank you everyone and please stay safe.