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Choosing the Right Private Health Insurance
When it comes to choosing a private health insurance for dental, many people may struggle as there are thousands of options to choose from. Here are a few tips to make the most out of your private health insurance for your dental needs.
- Make Sure There Is No Hidden Restriction
The first thing you need to do is to make sure that the insurance company that you are planning to go with, does not restrict you from seeing any dentist. They should give you a freedom to choose your own preferred dentist.
- Identify Your Dental Needs
Secondly, you need to identify your dental needs. For example:
- Let’s just say that you are a healthy person who only require to see the dentist twice a year for your regular check-up and clean, the only thing that you need to make sure is they cover everything for your check-up and clean with no gap payment. More importantly is that you can choose to go to your preferred dentists, not just their preferred dentists. Furthermore, you may be able to ask an insurance company if they can waive off your waiting period which normally will be approximately 2 months. After that, you will be able to compare the prices of a few insurance companies easily.
- If you require a lot of dental works to be done, you may need to know if your required dental treatments are categorized as general or major dental. Major dental normally has a waiting period of 1 year. It may be even cheaper for you to just pay for your own treatments than take up the major dental cover. We also have ZipMoney and Afterpay available at our practice. Please call us for more information and we are more than happy to help!