DENTAL HEALTH ANCILLARY INSURANCE –WHAT IS THE VALUE?
Health fund ancillary dental cover- members sacrifice 22 cents in every dollar for the privilege of having only 52% of their dental cover paid by their ancillary cover.
THE FACTS ABOUT YOUR DENTAL INSURANCE DOLLAR VALUE
10 Year average annual premium increase. 5.8% compounding to a period premium rise of 58% whereas the 10 year average annual CPI increase is only 2.5% giving a period rise of only 25% meaning you have lost 33% of dental health insurance value
YOU CAN DO BETTER – ASK AN INDEPENDENT DENTIST ABOUT THEIR PERSONAL PRACTICE PLAN ALTERNATIVE.
EXAMPLE PRACTICE PLAN
(Individual practice plans may vary)
PREVENTATIVE CARE PLAN
Remove the financial pressure of treatment cost gaps and Health Fund treatment exclusions by planning ahead. Get the full value of your dental dollar.
Research shows that preventive dentistry delivered on a regular basis greatly reduces the risk of dental disease and provides a platform for a lifetime of improved oral health. We encourage such an approach and with this in mind we have designed our Practice Plan to reward loyal patients, allowing us to help you plan your dental care more effectively, to provide the best chance of keeping you dentally fit and to reduce the need for future treatment.
When you join our plan, you will have the peace of mind that all your preventive dental care will be covered by convenient monthly payments.
Our aim is to provide high quality care and treatment in a relaxed, comfortable and safe environment. We are committed to continuing education and keeping abreast of advances in modern dentistry.
The cornerstone of our service is the dental health examination that includes:
- Clinical examinations for your whole mouth
- Investigation and screening by x-rays
- Screening for mouth cancer
- Screening for gum disease
- Oral health advice
- Treatment planning for future dental needs
What does our plan include?
- Two dental examinations per year
- Oral health advice
- Necessary Radiographs as required
- Emergency consultations
- Two routine scale and polishes per year
Treatment not covered by this plan can be paid under a range of alternative plans that best suit your needs and budget.
We also offer affordable fixed term finance option arrangements so please consult your dentist to ascertain the most suitable payment method for your individual dental needs.
PREVENTATIVE PLUS TREATMENT PLAN
Following a comprehensive oral examination we will detail your identified current and immediate future dental needs.
We can then work with you to list them in your priority order over a 12 months and 24 months period that suits your budget.
You then decide what treatment and time frame suits you and we work out a scale of treatment set fees for the next 12 months then your 24 months programme with costs adjusted by 5% to cover inflation and wage increases.
With these known costs you can then decide what you would like to commit to and we will arrange your Personal Dental Plan and advise the amount of the monthly direct debit required to cover your treatment.
You are in control of your oral health and minimising future cost by having treatment when you need it and not letting minor issues escalate into costly major issues.
Eliminate the fear of facing a large unforeseen expense by forward budgeting for treatment that you know you will need.
Gain a 10% concession on fees.
Receive priority appointment scheduling and access to your preferred dentist.
Additionally, it is your choice as to whether you continue on with your Dental Health Insurance cover or decide to self-insure to cover your personal needs rather than be limited by Health Funds terms and conditions and level of rebate.
If you do decide to retain your Health Funds ancillary cover, you can still claim for all treatments carried out under your Practice Plan and bank the refund.
SECURITY FOR SAVINGS
All direct debit payments are deposited to a dedicated Trust Account at NAB administered by Dental Innovations – separate from individual dental practices.
Funds are only released to nominated practice when patient instructions are received and verified.
How do you join our plan?
You can join immediately, all you have to do is complete a registration form and Direct Debit authority at your chosen IDN practice.
If you choose to leave the plan for any reason you can do so by simply giving us one month’s notice.