Updated: 21 November 2013
If you have extras insurance or will be buying extras insurance, Smile will compliment your insurance by reducing or even eliminating your out-pocket-expenses when visiting a participating practice. Your dental fees will be reduced even if your insurance company has opposed restrictions on you such as waiting periods, benefit limits and treatment exclusions. Simply present your Smile card at the participating practice and refrain from presenting your insurance card. After your appointment, simply claim from your insurance company directly. Claiming from your insurance company can usually be done via online, post, fax, email, in-person and some insurance companies even have a mobile application.
Dental is the most widely used extra in health insurance cover more than optometry and other benefits. It is imperative to get insured with a dental insurance as early as possible to minimise the expensive dental fees. Compare various dental insurance and how much you can save.
In Dental Insurance, a person needs to sign a "policy" that will give dental insurance or dental cover as long as the individual is regularly paying his periodic premiums. An insurance premium can be paid in a monthly, quarterly, or annual basis depending on the agreement of the dental insurancecompany or provider and the policy holder. Covered Dental services may include complete or partial dentures, root canal, teeth whitening, dental implants, and other services. Annual maximums or annual benefit limits is the major concern on dental insurance policies. Most dental insurance policies usually have caps on the total amount of claims or re-imbursements. Getting claims from dental insurance ay involve paper-work and turn-around time before members get their claims.
The cost of dental insurance is not too high. On the average, premiums for a dental insurance policy can cost AU $35/month for a single person and can be up to AU$135+/month for couple with dependents or family coverage. Typically, insured individuals must always meet a deductible amount before their dental insurance company begins to actually cover their dental care expenses. The cost of these deductibles needs to be considered when calculating the overall costs associated with dental insurance. Annual deductibles can vary from $25 to $50 per covered individual person, depending on the dental insurance policy. The benefit from the dental cover will immediately returned to you making the membership fee worth it.
What is the best dental insurance in Australia? Families and Individuals with dental insurance often complain about claim form procedures, exclusions on pre-existing conditions and waiting periods for major procedures. Dental Insurance is typically not easy for individuals or families to get unless guided by an insurance consultant or provided by their employing companies. Refer to Dental Health Australia
If you want to visit the dentist, Smile is ideal for you. You will receive great dental care, reduced dental fees each time you visit a participating dentist, any treatment immediately and as much treatment as you require. Smile is also very affordable starting at just $77 for an entire year - this is not a monthly fee.
Since introducing Australia’s first dental plan, many people have asked about the differences with Smile and insurance. There are distinct differences and below is a table to assist your understanding.
The smart way of visiting the dentist.
Health insurance companies have again increased their premiums. The industry average increase is 5.6% which adds an average of $250 a year to a family policy. Medibank Private, BUPA and NIB have increased premiums more than the industry average. Medibank Private has increased its premiums by 6.2 per cent, BUPA has increased its premiums by 5.8 per cent and NIB has increased it premiums by 6.5 per cent.
Smile is glad that the Smile plan remains a lot more affordable than extras insurance. As Smile is not health insurance our members aren’t burdened by any of these extra charges. Additionally members aren’t subject to waiting periods, benefit limits or treatment exclusions so they can save on dental fees at participating dentists on every treatment, every time. For members who also have extras insurance, you can continue to use Smile with your extras insurance to eliminate or reduce your out-of-pocket expenses and to overcome restrictions imposed by your insurance company such as waiting periods, benefit limits, treatment exclusion and pre-existing condition exclusions.