Remember,

Your contract with the health fund is between you and the fund and remains separate from the contract you have with dentists.

There is no such thing as a ‘recognised fee’ or ‘schedule fee’ in dentistry and the ADA states categorically that any organisation that implies that their rebates are set to a percentage of a ‘schedule fee’ is misleading the public, regardless of whether it is an ‘internal’ schedule.

Why Do Dental Rebates Differ With Different Health Funds?

Health funds have assessors who determine the level of rebate for particular dental items.

There is a balance between the rebate and the level of premium you pay, the type of cover and other factors such as waiting periods, annual limits and any promotional offers.

As a consumer, choose the health fund that best suits your needs.

A good site to consider when choosing which fund best suits is www.iselect.com.au

Most have fixed rebates for treatments irrespective of the actual fees. The rebates are generally not designed to provide full cover for dental fees or even a consistent percentage.

In addition, most schemes do not include all treatment items.

Some common treatments have no rebate at all.