Medibank is a leading private health insurance provider in Australia, offering a variety of dental cover options to individuals and families. With a network of over 11,000 accredited dentists across Australia, Medibank-approved dentists offer convenience, quality, and affordability.
What Dental Services Does Medibank Cover?
Medibank offers a range of dental insurance plans that cover different dental services. These generally include:
- General dental: This may include services like teeth cleaning, check-ups, fillings, and x-rays.
- Major dental: This can include more complex treatments such as root canal therapy, crowns, and veneers.
- Orthodontics: Some Medibank plans also include coverage for orthodontic treatment, which may be particularly beneficial for children.
Benefits of Choosing Medibank Dental Cover
- Easy Claims Process: Registering for a Medibank health insurance policy and filing a claim is designed to be a straightforward process.
- Extensive Network of Providers: Access to a large network of approved dentists across Australia ensures you can find a convenient and quality dental provider
- Potential Savings: Medibank members may be able to save up to 75% on dental costs at select dental clinics.
- 100% Back on Check-ups: Members with eligible extras cover may be able to claim 100% back on up to two dental check-ups every year, including x-rays, at Members’ Choice Advantage dentists or 100% back on an annual dental check-up and clean at any Members’ Choice dentist (excluding x-rays).
- Discounts for Corporate Clients: Employees of Medibank corporate partners may be eligible for discounts and waived waiting periods.
Choosing the Right Medibank Dental Cover
Medibank offers several extras cover options that include dental, such as Top Extras, Essential Extras, and Basic Extras, each with different benefit limits, waiting periods, and premiums.
When selecting a plan, consider:
- The services you’re likely to use: Determine whether you need basic coverage for check-ups and cleanings or more comprehensive cover for major dental work or orthodontics.
- The annual benefit limits: Make sure the annual limits are sufficient to cover your expected dental expenses.
- The waiting periods: Understand the waiting periods that apply before you can claim benefits for certain services
- The premiums: Balance the premiums with the level of cover and benefits offered to find a plan that fits your budget
Finding a Medibank Dentist Provider
Medibank has a network of over 11,000 accredited dentists all over Australia5. To find a Medibank dentist provider near you, you can:
- Use Medibank’s Find a Provider tool to search for dentists in your area who are part of the Members’ Choice network.
- Check with your preferred dentist to see if they are a Medibank-approved provider5.
Understanding Waiting Periods and Benefit Limits
Most Medibank dental insurance plans have waiting periods before you can claim benefits for certain services. For example, there may be a 2-month waiting period for general dental services and a 12-month waiting period for major dental treatments.
Medibank dental plans also have annual benefit limits, which is the maximum amount you can claim for dental services in a 12-month period. It’s important to understand these limits when choosing a plan to ensure it meets your needs.
Medibank Dental for the Whole Family
Medibank offers dental cover options that cater to the entire family. This can be particularly beneficial if you have children who may require orthodontic treatment or other specialized dental care5. Keep in mind that pre-existing conditions may affect your eligibility for coverage, so it’s best to discuss your specific needs with Medibank.
Is Medibank Dental Right for You?
Choosing the right dental insurance depends on individual circumstances.
Medibank’s dental cover is worth considering because:
- It has over 11,000 accredited dentists all over Australia.
- Medibank-approved dentists offer convenience, quality, and affordability.
- Customers can register for insurance policies online in simple steps and file a claim.
- Medibank members may be able to save up to 75% on dental costs at select dental clinics.
However, it’s important to:
- Consider whether you need basic coverage for check-ups and cleanings or more comprehensive cover for major dental work or orthodontics.
- Check annual benefit limits to be sufficient to cover your expected dental expenses.
- Be aware of any waiting periods that apply before you can claim benefits for certain services.
- Balance the premiums with the level of cover and benefits offered to find a plan that fits your budget.