No Interest Payment Plans and Health Funds

Apply for “No Interest Ever” Financing for Immediate Dental Treatment.

Getting the dental care you need should be easy, and so should paying for your dental treatments. We know that Medicare typically does not cover dental costs for adults. That is why Amelia Street Dental accepts a broad range of payment plans including major health funds, government schemes, dental financing, and more.

Can’t afford the full cost of your dental treatments upfront? No problem. You can apply for up to $12,000 in zero-interest financing through the National Dental Plan which is facilitated through Humm.

HUMM Dental Financing

If you do not have dental insurance cover or you are not able to pay upfront for your dental treatment, then if can easily be payment plan through the National Dental Plan powered by HUMM. This means that you don’t have to wait for the treatment you need....

done through an “No Interest Ever” You can borrow up to $12,000 to pay for your dental treatments with “zero interest ever”. The amount you borrow for your dental treatment can be paid every fortnight over 2 years. That way, you can get immediate treatment when you need it. It is very easy to set-up and if all the conditions / prerequisites are met then application is approved in minutes. Please note that during certain months, HUMM has a “Zero deposit” scheme. (ie. They finance the entire amount). Normally, they take a 20% deposit and finance the balance amount.

Find out more about “No Interest Ever” dental financing here. https://nationaldentalplan.com.au/patient/

Health Funds (Dental Insurance) and Rebates

Amelia St Dental accepts all health funds, (including but not limited to BUPA, Medibank, HBF, HCF, HIF, NIB, Qantas health, AHM, CBHS etc) and your rebates or entitlements can be claimed instantaneously through our HICAPS terminal. The amount that each health ... fund member gets on his rebate is entirely dependent on the level of cover one has with the health fund and the preferred provider status of the practice.

Each health fund member will have a maximum limit of entitlement per year or an annual limit or rebate per year to claim. The amount is decided on the level of extras cover (or ancillary cover) one has taken up as part of their cover. The claim period usually runs from 1st Jan till 31st Dec each year, hence it is imperative to use your entitlement before the 31st of December each year. It is not carried forward to the next year therefore it is prudent for health fund members to claim it before it is forfeited.

Most of the preventive and diagnostic services like exams, x-rays, scale and clean are covered with small gap payable. Rebate for treatment services like fillings, extractions etc is determined on an individual basis and by your level of cover. It is best to clarify with your health fund on your level of cover. Typically, those who have major dental cover will get more rebate as part of their cover.

It is always preferrable to get a quote on HICAPS, so you are aware of the rebate and the gap payment.

Please note: Gap payments or out of pocket expenses will be dependent on your level of cover.

Preferred Provider Status

We are a preferred provider for major health funds like HCF, HBF, NIB, CBHS, HIF. The details are enlisted below. Because of this arrangement, you can receive the maximum benefit entitlement under your extras cover level. That keeps your treatments as affordable as possible....

We are not preferred providers of Medibank and BUPA and their associate health funds. This means the rebate that you will receive will be less than that at preferred provider practice.

Below is a list of health funds with which we have a preferred provider agreement.

HCF

HCF, the largest non-profit health fund in Australia, offers a no-gap dental program called “More for Teeth” on Basics extras cover. You can use HCF to cover preventative and diagnostic care for your teeth and gums, as well as certain treatments. ...

For more information: https://www.hcf.com.au/MFTbasic

Amelia Street Dental is a long-standing HCF Preferred Provider and participates in their “More for Teeth” Program and hence you will get a maximum rebate.

If you are a HCF member you will be entitled to the following preventative and diagnostic dental benefits each calendar year. Custom-made mouthguards are also a part of dental insurance benefit which can be claimed every year.

The following item numbers are part of the preventative and diagnostic services as per the Australian Dental Association glossary can be claimed as shown in the following table.

HBF

HBF is WA’s largest private health insurance provider, along with being one of the biggest in the country. At Amelia Street Dental, the Dental rebate for HBF insurance members will be maximum for diagnostic and preventative care as we are a HBF Members’ ... Plus preferred provider practice. Depending on your level of cover and your annual limit, the rebate for other dental treatment procedures like restorative dental treatment, root canal treatment, crowns, bridges, implants, and orthodontics will vary.

For more information, please visit https://www.hbf.com.au/health-insurance/extras-insurance/dental

NIB

We also accept NIB dental cover, which includes Apia, AAMI, Suncorp, Qantas health, United Healthcare Global, Iman Australian Health Plans, and GU Health....

Amelia Street Dental is a NIB Fist Choice Network Provider. The amount you get back depends on your level of Extras cover. Generally, the Extras cover offers 60% to 70% back per appointment, up to your annual limit.

For more information, please visit https://www.nib.com.au/health-information/extras/extras-cover-providers

CBHS

If you are a CBA Group employee, contractor, or family member, CBHS provides you with competitive dental cover. Amelia Street Dental is proud to be part of the CBHS Corporate Health Choice Network. This arrangement entitles you for maximum rebate on your extras cover. ...

For more information, please visit https://www.cbhscorporatehealth.com.au/for-members/find-a-provider/choice-network-provider-details

HIF

HIF has been providing residents of WA with dental cover since 1954. Their dental cover program is HIF Smart Teeth, included in Extras Cover for Saver, Special, Super and Premium Options. The Smart Teeth program is designed to encourage and reward regular periodic ...

maintenance of your teeth. The popular services like examinations, x-rays, plaque and calculus removal and custom-made mouthguards will entitle you for higher rebates. Like other health funds, this one also has an annual benefit limit depending on your level of cover. HIF does not operate a preferred provider scheme, hence the rebate that you will get at any dental practice will be the same and will depend on your level of cover.

For more information, please visit https://www.hif.com.au/health-insurance/extras-cover/dental

Metropolitan Patients Dental Subsidy Scheme (MPDSS)

Amelia St Dental as a private dental practice participates in the MPDSS scheme. Under this agreement, patients who have a letter from the Dental Health Services of the Government of Western Australia can have treatment at subsidised costs. Typically, ... the patient must pay 25% or 50% of the total fees and the remaining fee is paid by the Government of Western Australia directly to us. The entitlement letter will clearly state regarding the percentage of subsidy.

One can get a general treatment authority form, or an emergency treatment form issued by the Dental Health Services. These forms are issued to eligible people who are on the public dental waiting list etc . The Dental Health Services of WA will contact the individuals directly and issue them the letter.

Child Dental Benefits Schedule (CDBS)

The Child Dental Benefits Schedule is run by Services Australia or Medicare. If you have a child between the ages of 2 and 17 who requires dental care, you may be able to cover dental treatments through the Child Dental Benefits Schedule (CDBS) under Medicare. ... This benefits schedule gives you access to more than $1,050 of dental coverage for every two-year period. General dental treatment services like Check-up, X-rays, extractions, fillings etc are covered under this scheme. Cosmetic dental work like braces or ceramic veneers are not covered.

Patients are encouraged to contact Medicare to know the eligibility of their children. Our trained front office staff can also help you find out if your children are eligible for CDBS.

For more information, please visit https://www.servicesaustralia.gov.au/child-dental-benefits-schedule

Amelia St Dental is a bulk billing practice for the Child Dental Benefits Schedule. It means that children can avail their CDBS claim without having to pay anything extra out of pocket

Department of Veterans’ Affairs (DVA)

Australian Veterans are entitled to receive most of the dental treatment free of cost. However, the coverage may differ depending on whether one has Veteran Gold Card or Veteran White Card. ...

Veterans may receive coverage for most dental services up to the Annual Monetary Limit (AML). To know your coverage, please bring your DVA Health Card. We can check online to see your entitlement.

For more information, please visit https://www.dva.gov.au/health-and-treatment/injury-or-health-treatments/health-services/dental-care/dental-services

Our front office staff and dentists are well trained to help you make a claim if you are a veteran.

HICAPS

We have a HICAPS machine located right in our clinic. If you have your health fund card with you, you can use the machine to access your fund rebates right on the spot. That way, you do not need to worry about waiting for a reimbursement. You just need to ... settle the difference or the gap payment between the full cost of treatment and what your rebates cover.

How much will the rebates cover? That depends on your Dental Extras Cover level and your insurer.

To make it easy for you to pay any gap or co-pay you may owe for your appointment, we accept a variety of payment modes. These include:

• Cash
• Cheque
• Direct deposit into our bank account
• Most Major Credit Cards including American Express and AMEX.

All this is facilitated through the HICAPS terminal in our clinic.

Do you have a form of dental cover or insurance cover which we have not discussed on this page? Contact us to find out if we accept your cover, or to ask about additional payment modes.

Questions About Paying for Your Dental Treatments? Let Us Know

We know that it can be challenging to try and figure out what your health fund or subsidy scheme covers. So, if you have any questions about paying for your dental care, please contact our friendly office staff, and we will walk you through it.

Ready to make an appointment? Please give us a call now at (08 93442233). No matter what type of cover you have, we are committed to providing you excellent, fast, and affordable dental care.