Financing Your Dental Health Care

According to Dental Care Network, 90 percent of all dental-related complications in Australia are preventable if timely checkups are done. Although many people are willing to undergo 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 regular orthodontic check-up and treatment is important as it ensures healthy teeth, gums and mouth. During your first appointment, you will discuss with a dental professional, the financing options available for you and also address other important issues such as:

1. A thorough orthodontic assessment performed on you. This is necessary so that a treatment plan is drawn up suited to your requirements and budget.

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

3. Estimation of the period of your treatment plan so you can fit it 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 after-care subsequent to the initial treatment at the clinic.

Generally, getting dental or orthodontic care is quite expensive and unless you have private insurance cover, it becomes a challenge. In this regard, it would be prudent to check the details of the 2008 Dental Benefits Act 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 are, expertise needed and how long your treatment is likely to last. During your preliminary consultations, you will be in a position to discuss the costs of your treatment before you agree to go ahead with the plan recommended for you.

Various Options Include:

- Government programs: This would generally fall under the provisions of the Dental Benefits Act. You could check if you qualify for the benefits under this Act by contacting relevant social services agencies.

- Payment Plan: Most dentists will typically have affordable payment plans, which you can discuss and agree on the most suitable one for you.

- Dental Plan: These are discount plans whereby you'll be paying an agreed amount of money that qualifies you to access treatment and care from any dentist or orthodontist participating in that particular discount plan.

- Your Insuring Company: Although most general medical health insurance schemes don't comprehensively cover some aspects of orthodontic treatment, it's worth discussing with your insurer to verify the options available. 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'll 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 beforehand, then you'll be paying your bill over a certain duration, depending on the initial agreement with your creditor. This would work very well for those who can't afford regular monthly insurance premiums.


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