Should You Get Private Dental Insurance? A Dentist Explains


Dental treatment is one of those unavoidable things in life, but it notoriously carries a high price tag. Some people choose to defer dental treatments because they’re expensive, while others manage their dental care with the help of private health insurance.

If you’re wondering what private dental insurance covers and when it might be needed, read on – we’ve put together this helpful guide including all you need to know.

Dental treatments and Medicare

Some people go to the dentist thinking Medicare will cover part or all of their expenses, only to be slapped with a fee at the end of the day. The truth is, Medicare doesn’t usually cover dental procedures as they’re an out-of-hospital expense.

Some Australians can be covered by Medicare, though. Children whose parents receive particular Centrelink benefits can be covered by the Child Dental Benefits Schedule (CDBS), which includes general treatments and minor dental surgeries, but doesn’t cover orthodontic work, cosmetic treatments or in-hospital procedures. If you hold a Health Care Card, Pensioner Concession Card or Department of Human Services Card, you may be able to receive free dental services through Medicare.

If you are eligible for dental cover through Medicare, you should receive cover for diagnostic procedures, preventative work and some oral surgeries.

Dental insurance coverage and costs

Dental cover is included as part of your health insurance extras policy. When you’re covered for dental, your insurance will pay for some of the costs associated with:

  • General dental procedures, which are covered by most extras policies and start from around $3 a week. Some policies include no gap dental, which allows you to visit any participating clinic and not incur any out-of-pocket expenses for a check-up, clean, fluoride treatment or X-ray.
  • Major dental procedures, which are covered by mid-range extras policies from around $7 a week. Major procedures include wisdom teeth extraction, other tooth extractions, dentures and root canal work.
  • Orthodontic work, which is covered by some policies and includes braces and correction of overbites or underbites.

Benefits of private dental insurance

While private dental insurance isn’t for everyone, it does carry great benefits. When you take out a policy that includes dental cover, you’ll pay less for dental expenses and will be able to jump the Medicare queue if you have an emergency or are in pain.

When considering if you need private dental cover, it’s important to take your particular circumstances and health into account. If your teeth are in pretty good condition, you may not require cover for dental. If, however, you need regular check-ups or have problematic teeth, a dental insurance policy might be a great help to you.

John Cropley Dentistry accepts all health funds

When you need efficient, reliable dental treatment in Nelson Bay, John Cropley Dentistry is here to help. We’re a family-owned dental practice backed by over 25 years of experience and we accept all health funds, as well as patients through Hunter New England Health at our practice. We furthermore participate in various government schemes to support our patients, young and old.

Our team prides itself on outstanding dental services and patient care, and we do our very best to create a calming, positive environment in which all patients feel welcome. Contact us today on (02) 4981 3114.


Dentist Dr John Cropley

Dr John Cropley

John is the principal dentist at John Cropley Dentistry in Nelson Bay. He graduated in Dentistry from the University of Adelaide and is a long-standing member of the Australian Dental Association (ADA). He is known for his gentle, calm and caring manner and offers services in prevention-based dentistry, emergency care, cosmetic dentistry and restorative dentistry including endodontics.

6 Tomaree Street
Nelson Bay, NSW 2315
(02) 4981 3114
Call us today!
Opening Hours
Mon - Fri, Sat morning
Book Appointment
Contact us