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Hi Susie , Yes dental treatment is expensive, but private insurance covers it, there are two components to private insurance , hospital which covers hospital and extras which covers dental ,optical, physio, chiro,and some others, have a look at medibankprivate.com.au or mutualcommunity.com.au. these are two of the largest companies, it will give you some idea of cover available. Medicare is the national health system we pay 1.5% of our taxable income to medicare, this covers us in public hospitals, public hospitals are good here but depending on the treatment required there may be waiting lists , so some feel the need for private cover Medicare also pays 80% of the scheduled doctors fee ,some doctors charge more than the scheduled fee, so you pay more, some bulk bill so you pay nothing, best if you find a doctor who bulk bills. my doctor charges $51 but medicare pays $35, so $16 out of pocket , thankfully i dont visit often. in my opinion extras insurance is necessary, hospital cover is optional , i suppose it all come down to money
With regards to health insurance, including dental, a good option is to go with something like the 'extras' cover from Medibank.
This helps towards most things excluding hospital. For instance, with the 'Top Extras 55' cover for a family of 4 costs around $30 a fortnight, and you get 55% back on most 'items' up to a limit (usually over 12 months).
Last edited by BurgessFamily; 30-05-2011 at 11:23 PM.
my last check up with a clean and 1 xray, $62
Extras cover is very affordable and most families get back more than they pay into it. Last year 3 of us had prescription glasses..should have been about $300 each..got them for $25 each. Dentists are $170 for a check up, clean and polish..paid $44. Hubby needed physio..should have been $80 a time..got it for $25. Daughter had braces ..got $2000 toward the treatment.
We now have hospital cover as well..which works out about $100 a month more..kids get free dental treatement.Work out a $25 a week..price of a visit to maccas!!!!