Financing For Your Dental Health Care in Australia

According to Dental Care Network, 90% of all dental-related complications in Australia are preventable if timely checkups are done. Although many people are willing to take the initiative of regular dental treatments the investment in this kind of lifestyle is a challenge for many, especially the low-income earners with no health insurance plans that cover dental costs.

Getting a regular orthodontic check-up and treatment is important as it assures you of the comprehensive well-being of the teeth, gums and the mouth. During your first appointment you will discuss with the expert about the financing options available for you and also address other important issues such as the following:

1. A thorough orthodontic assessment is done on you. This will be necessary so that a treatment plan is drawn up fitting your requirements and budget.

2. The dentist will take X-rays and photos to compliment the other clinical examinations.

3. Estimation of the period of the treatment plan to enable you to fit the treatment plan into your normal schedule.

4. The amount of investment needed to ensure that you get the best possible dental outcomes.

5. The financial implications of aftercare subsequent to the initial treatment at the clinic.

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Generally, getting dental or orthodontic care is quite expensive and unless you got private insurance cover, it becomes a challenge. It would be prudent to check what the 2008 Dental Benefits Act provides in terms of how dental benefits in Australia are governed.

Alternatively, there are several options which you could explore with a view of getting the best dental care and treatment at affordable rates while ensuring you’re still getting quality care.

Available Options

The cost of your treatment will be largely dependent on what your dental needs, the expertise needed and on how long your treatment is likely to last. During your preliminary consultations, you will be in a position of discussing the costs of your treatment before you agree to go ahead with the plan recommended for you.

• Government Programs: This would generally fall under the provisions of the Dental Benefits Act. The benefits under this Act are specific and you could contact them through relevant your social services agency to check if you qualify

• Payment Plan: Most dentists will typically have affordable payments plans which you can discuss and agree on the most suitable one for you

• Dental Plan: These are discount plans where you will be paying an agreed amount of money that qualifies you from accessing treatment and care from any dentist or orthodontist who is also participating in that particular discount plan

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• Your Insuring Company: Although most general medical health insurance schemes don’t comprehensively cover some aspects of orthodontic treatment, it is worth discussing with your insurer to verify the options available from them. For example, if you’re in need of jaw surgery, your insurance company might be in a position of meeting a portion of the cost you will incur, but within your own medical health plan instead of the dental plan

• Credit Care: This is another new addition to the options you could explore. The credit care plan allows you treatment and then be paying your bill over some time depending on the initial agreement with the creditor. Work very well for those who can’t afford the regular monthly insurance premiums

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by Sammy M Mwatha