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Health Insurance

At Diamond Dental we are aligned with:

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If you are already a member of any of the above health insurance funds you may benefit from rebates. In most cases there is little to no gap. AHM, NIB and most other health funds offer the same rebates regardless of the dentist you choose. We offer HICAPS on site for all health fund claims and will happily claim your rebate directly from your health fund on your behalf.

Defence health           www.defencehealth.com.au
HCF                              www.hcf.com.au
GMHBA                       www.gmhba.com.au
PeopleCare                  www.peoplecare.com.au
Frank                           www.frankhealthinsurance.com.au
Budget                         www.budgetdirect.com.au/privatehealthinsurance
Australian unity         www.australianunity.com.au
Health.com.au           health.com.au

We are not a preferred provider for BUPA or Medibank Private.

However, we can still make general claims for these funds using our on-site HICAPS machine. You will be required to pay a gap payment on the day. The quality of the treatment you receive at these ‘preferred provider practices’ is subject to compromise as these practices must scale down the above mentioned costs in a bid to maintain their relationships with their governing health funds.

What about my health fund?

An explanation of dental fees

When considering health insurance for your dental costs, also consider the following:

  • The level of rebates paid is determined by each health fund and this hinges on that fund’s commercial requirements.
  • In addition to offering rebates for their clientele, some health funds are designed in such a way as to reap profits for their shareholders.
  • Often the case, the rebates rendered on dental fees are unlikely to cover any more than 60 percent for common dental issues, with this cover sometimes offsetting just less than half the cost of more complex and costly procedures.
  • Some health funds direct their preferred providers to certain (more cost effective) procedures, thereby reducing your choice of treatment for your real dental needs.
  • The federal government does not subsidise dental fees like it does Medicare for adults. There is a subsidy available for some children, however you must speak to Medicare to find out if your child is eligible.

Important Points

  • Cheap dentistry could only mean one thing: lower quality care for patients.
  • Our practice follows the Australian Dental Associations fee guides for setting up our fees. The overall figure has to factor in individual costs, a figure dependent on the practice. Our dentists are all active/registered members of the ADA.
  • The fees levied in this practice are maintained at the lowest possible minimum while at the same time providing care of the highest quality.
  • The best way to bring down your dental bill is to prevent dental decay and gum disease in the first place. What’s more, you could avoid extra costs by scheduling for regular checkups with your dentist.
  • Should you have any qualms with your private health insurance, make a point of getting directly in touch with the fund. If this does not resolve your issue, you should contact the Private Health Insurance Ombudsman. This is an independent body tasked with the responsibility of resolving complaints as well as offering free advice and information.

Email: infor@phio.org.au
Call toll-free: 1800 640 695
Fax: 02 9261 5937

Postal Address
Suite 1201, St Martins Tower
31 Market Street, Sydney 2000.

Before considering dental benefits or settling for a particular benefit table, please ensure you are certain these charges are of value to you and your family. We see many patients choosing to become self insured as a more cost effective option. Please don’t hesitate to contact us if you have any questions.
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