Dental treatment is expensive in Australia, especially if an individual does not have insurance and visits clinics that do not support Medibank preferred dental providers or any other form of insurance. Many patients avoid visiting dental facilities mainly because of fear of expensive treatments and drilling on the tooth.
Neglecting teeth ailments in the initial stage would call for expensive treatments prescribed by HCF approved dentists. These insurance schemes are helpful as it helps dental patients to keep their pearly whites healthy, as they require much more than daily brushing and flossing.
In Australia, the dental cover is not available be itself, it generally falls under health insurance plan. Basic dental treatments like regular checkups, cleaning etc are covered by general health insurance plan. Many private insurance companies give the option to add on full coverage dental insurance for an extra premium.
In Australia, dental coverage is available in two ways: general and major work. The rules and regulations for dental conditions differ from company to company. For a few companies, some conditions may be general, while others consider those as major.
The general dental cover includes annual checkups, cleaning and fluoride treatment, minor filling, and in general preventive treatment and medication. The major procedures are tooth extractions, crown bridges, orthodontics and major fillings.
The classification would differ with the company, so the patients need to confirm all the details of the scheme from the website or the agent.
According to experts, young individuals or couples, whose dental health is good can opt for general dental cover. Families with elders and children should prefer major dental coverage as it would help them to meet the heavy expenses. They further suggest that people should visit the dentist on the first signs of dental problem so that they need to go minimum discomfort. In such cases they need to visit a good dentist who would provide good treatment at an affordable price.
