Understanding private health fund coverage is a complex process and often not easy. At the White Bite, our patients often want to know what part of our services can be claimed through private health cover. For this reason, we answered some of the commonly asked questions about private health funds and cosmetic dental treatments.
In general, The White Bite has HICAPS for on the spot health fund claims. We are preferred provider for HCF, medibank private and the nib first choice network. It also includes policy holders of Apia health insurance, Qantas Assure health insurance, and other health insurance brands underwritten by nib.
This means, patients with cover from these health funds get a fixed discount to help lower their out of pocket costs.
Does my private health fund cover cosmetic dental treatments?
Procedures such as teeth whitening vary from fund to fund.
Are porcelain veneers covered?
Yes, porcelain veneers are covered by most private health funds. In general, they fall under the “major dental” category.
How much does my health fund pay of the White Bite smile makeover packages?
Each health fund pays a different rebate amount, depending on their rules for each level of cover. For an approximate rebate amount, ask your health fund what the maximum rebate amount for your “major dental” category is.
At the practice, once you have been assessed, you will be provided with an itemised treatment plan. You can give this plan and the item numbers to your health fund. They will then be able to provide you with a precise, detailed quote.
Are composite veneers covered?
Yes, like porcelain veneers, composite veneers are covered by private health insurance. They fall under the “major dental” category of your dental extras cover.
Does my health fund pay for dental crowns?
Dental crowns also fall under the “major dental” category on your private health fund insurance. Please ask your health fund or check your policy to find out what the maximum rebate amount for your major dental category is.
Are dental implants and dental implant crowns covered?
Yes, dental implants and dental implant crowns fall under the “major dental” category on your private health fund insurance.
Does my health fund cover teeth whitening?
Each health fund has their own rules regarding teeth whitening. It is best to check with your health fund to check your level of cover. At the White Bite, we offer Philips Zoom In-Chair whitening for $495.
Is Invisalign and SmileStyler covered by my private health fund cover?
Please check if orthodontics is included in your private health fund extras cover. If so, Invisalign and SmileStyler fall under the “orthodontic” category of your private health fund insurance.
The rules around orthodontic coverage are different to other dental categories. For this reason, it is important to check with your health fund prior to starting treatment.
Do you offer payment plans to help with the gap payment?
The White Bite offers zip payment plans for all patients. Zip offers two plans – one for payments below $1,000 (Zip Pay) and one for above $1,000 (Zip Money). Patients can conveniently apply online and will then be notified within a short timeframe if they were accepted.