Medicare (Dental Coverage)
#1
Forum Regular
Thread Starter
Joined: Oct 2012
Posts: 84
Medicare (Dental Coverage)
We are just busy making our permenant move to Australia.My hubby is doctor by profession and we spent 10 years in UK.My husband recently got temporary work permit to work in regional Australia.We have 3 young children with dental problems.Hubby was working for NHS as Speciality Registrar (ST3).
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
Last edited by economy_1; Jan 2nd 2013 at 11:17 pm.
#2
Joined: Jun 2006
Posts: 4,555
Re: Medicare (Dental Coverage)
There are two elements to private health
Hospital Cover
Extras
Extras covers a portion of dental expenses. Like most extra cover the payouts are limited. Medicare coverage of dental is limited and has long waits.
Hospital Cover
Extras
Extras covers a portion of dental expenses. Like most extra cover the payouts are limited. Medicare coverage of dental is limited and has long waits.
We are just busy making our permenant move to Australia.My hubby is doctor by profession and we spent 10 years in UK.My husband recently got temporary work permit to work in regional Australia.We have 3 young children with dental problems.Hubby was working for NHS as Speciality Registrar (ST3).
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
#3
Re: Medicare (Dental Coverage)
There is dental cover for school children in Australia - however, I think it only covers basics like clean, polish, fillings etc.
Unless orthodontic work is medically/surgically necessary then you'll have to pay yourself (which private help can help cover a portion)
http://www.medicareaustralia.gov.au/...een-dental.jsp
Unless orthodontic work is medically/surgically necessary then you'll have to pay yourself (which private help can help cover a portion)
http://www.medicareaustralia.gov.au/...een-dental.jsp
#4
Re: Medicare (Dental Coverage)
We are just busy making our permenant move to Australia.My hubby is doctor by profession and we spent 10 years in UK.My husband recently got temporary work permit to work in regional Australia.We have 3 young children with dental problems.Hubby was working for NHS as Speciality Registrar (ST3).
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
#5
Re: Medicare (Dental Coverage)
Yup me too.
I do have this however:
http://www.smile.com.au/
It reduces the cost of dental by about 15% at designated practices, and if used in conjunction with your health insurance, can reduce the costs even more, however still expect to pay $$$.
Some of my friends fly to Singapore or Bankok for major dental treatment, as it's still often cheaper even with the holiday.
S
#6
Re: Medicare (Dental Coverage)
There are some specific programmes for kids with craniofacial conditions which lead to the need for specialised dentistry (in most state capitals children's hospitals) but if by "dental problems" you mean a need for orthodontics then the extras on a private health insurance may cover some of the cost as long as it isn't a pre-existing condition and you satisfy any waiting periods. Otherwise bargain basement is going to be at least $5k per kid but if you pay it all up front that takes you over the medical expenses threshold for tax purposes and you will get a bit of a rebate at tax time.
#7
Re: Medicare (Dental Coverage)
We are just busy making our permenant move to Australia.My hubby is doctor by profession and we spent 10 years in UK.My husband recently got temporary work permit to work in regional Australia.We have 3 young children with dental problems.Hubby was working for NHS as Speciality Registrar (ST3).
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
NHS Dental coverage is free in UK specially for children who are under 18 years of age.
http://www.nhs.uk/chq/pages/1786.aspx
http://www.nhs.uk/chq/Pages/1781.asp...CategoryID=742
Is there anything like Medicare (Dental) coverage comparable to NHS (Dental) in Australia?Should we specially get a private insurance to get dental cover?
We have probably had more out of medical insurance than we have put in.
#8
Joined: Jun 2006
Posts: 4,555
Re: Medicare (Dental Coverage)
Some health funds have their own dentists which have a minimal gap.
My own recommendation in Australia is to have a stash of money of at least $10,000 for medical needs.
I have a implant coming up (dental not breast) which will set me back thousands.
My own recommendation in Australia is to have a stash of money of at least $10,000 for medical needs.
I have a implant coming up (dental not breast) which will set me back thousands.
Public funded dental care is very limited in Australia. Many people in the UK have limited, or no, access to NHS dentistry (we fortunately did) anyway. Private medical covers a portion and the longer you have been with a fund, the more coverage you get. We have been with HBF since arriving in Australia and now get a lot back on dental.
We have probably had more out of medical insurance than we have put in.
We have probably had more out of medical insurance than we have put in.
#9
Re: Medicare (Dental Coverage)
Medical insurance works well and you pay more tax without it.
#10
Joined: Jun 2006
Posts: 4,555
Re: Medicare (Dental Coverage)
Definitely worth it for my family but the gaps can be a shock for those used to the NHS. That is not just dentistry.
#11
Re: Medicare (Dental Coverage)
Australia's hybrid model is far more sustainable.
#14
Joined: Jun 2006
Posts: 4,555
Re: Medicare (Dental Coverage)
Nothing tax rises cannot fix. Both parties have their head in the sand on that one.