Private Health Insurance
#1
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Thread Starter
Joined: May 2005
Posts: 273
Private Health Insurance
i am looking for private health insurance company that covers dental, i heard about some that cover dental but u have to wait for 2 years till u be covered by dental insurance
#2
Re: Private Health Insurance
Originally Posted by NewOZ
i am looking for private health insurance company that covers dental, i heard about some that cover dental but u have to wait for 2 years till u be covered by dental insurance
have you tried iselect.com.au (I know it only has 5 companies in comparison) but it is a place to start.
The two years wait period for dental may be for some items like orthodontic or serious level work, most cover within 6 months for normal appointments and cleans and polish etc.
What specific cover do you need?
Cheers
#3
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Thread Starter
Joined: May 2005
Posts: 273
Re: Private Health Insurance
Originally Posted by Sandra
You need to do a bit more googling and read the plans in details. I agree it can be confusing.
have you tried iselect.com.au (I know it only has 5 companies in comparison) but it is a place to start.
The two years wait period for dental may be for some items like orthodontic or serious level work, most cover within 6 months for normal appointments and cleans and polish etc.
What specific cover do you need?
Cheers
have you tried iselect.com.au (I know it only has 5 companies in comparison) but it is a place to start.
The two years wait period for dental may be for some items like orthodontic or serious level work, most cover within 6 months for normal appointments and cleans and polish etc.
What specific cover do you need?
Cheers
#4
Banned
Joined: Feb 2005
Posts: 2,551
Re: Private Health Insurance
Originally Posted by NewOZ
i am looking for private health insurance company that covers dental, i heard about some that cover dental but u have to wait for 2 years till u be covered by dental insurance
#5
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Thread Starter
Joined: May 2005
Posts: 273
Re: Private Health Insurance
Originally Posted by kiwichild
Dental insurance is only available on an 'auxilary' plan.This costs extra. Depending on what you earn you may be able to access govt dental services, if not, shop around is the advice. There is no shortage of shady dentists here.
#6
Re: Private Health Insurance
Originally Posted by NewOZ
does gov. have dental insurance (like midicare?)
Insurance for teeth? Like paying in case they all fall out? Not on medicare...they will give you dentures after you spend months in line.
For me the serious stuff is paying $5K for one child and going on $9K for the other for orthondontic, which does not include any normal dental treatment. If serious stuff means adult root canals and crowns and dentures....well maybe depends on what cover you pay for. But in my opinion dental what ever you pay ïnsurance" on pays for a limit and then you are on your own.
Hope I am getting near the question you ask.
Cheers
#7
Just Joined
Joined: Mar 2006
Posts: 28
Re: Private Health Insurance
Just taken out MBF insurance - MBF standard hospital plan plus 'young extras'
Usually you have to wait 6 months to claim for dental work (there are limits and restrictions they set) but they are doing a promotion just now that waives the time restrictions (except on obstetrics which is still 12 months) - so you can claim some expenses back right away for dental work and other extras such as optical, physio and alternative therapies. See www.mbf.com.au to do an online quote and compare different levels of packages - its a very user friendly website and explains it all well depending on your situation.
BG
Usually you have to wait 6 months to claim for dental work (there are limits and restrictions they set) but they are doing a promotion just now that waives the time restrictions (except on obstetrics which is still 12 months) - so you can claim some expenses back right away for dental work and other extras such as optical, physio and alternative therapies. See www.mbf.com.au to do an online quote and compare different levels of packages - its a very user friendly website and explains it all well depending on your situation.
BG
#8
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Joined: Jun 2003
Location: Melbourne, Victoria
Posts: 524
Re: Private Health Insurance
Originally Posted by beachgal
Just taken out MBF insurance - MBF standard hospital plan plus 'young extras'
Usually you have to wait 6 months to claim for dental work (there are limits and restrictions they set) but they are doing a promotion just now that waives the time restrictions (except on obstetrics which is still 12 months) - so you can claim some expenses back right away for dental work and other extras such as optical, physio and alternative therapies. See www.mbf.com.au to do an online quote and compare different levels of packages - its a very user friendly website and explains it all well depending on your situation.
BG
Usually you have to wait 6 months to claim for dental work (there are limits and restrictions they set) but they are doing a promotion just now that waives the time restrictions (except on obstetrics which is still 12 months) - so you can claim some expenses back right away for dental work and other extras such as optical, physio and alternative therapies. See www.mbf.com.au to do an online quote and compare different levels of packages - its a very user friendly website and explains it all well depending on your situation.
BG
"..Should you require treatment for a service which is excluded from your level of cover no benefits are payable by MBF for any of the hospital or doctor's charges associated with that admission.."
I remain unconvinced on the benefits of private medical insurance but if I did take it out it would have to be with a provider that is not run for profit.
#9
Re: Private Health Insurance
Originally Posted by ossigeno
A $500 excess per person per year.
"..Should you require treatment for a service which is excluded from your level of cover no benefits are payable by MBF for any of the hospital or doctor's charges associated with that admission.."
I remain unconvinced on the benefits of private medical insurance but if I did take it out it would have to be with a provider that is not run for profit.
"..Should you require treatment for a service which is excluded from your level of cover no benefits are payable by MBF for any of the hospital or doctor's charges associated with that admission.."
I remain unconvinced on the benefits of private medical insurance but if I did take it out it would have to be with a provider that is not run for profit.
#10
Just Joined
Joined: Mar 2006
Posts: 28
Re: Private Health Insurance
Originally Posted by ossigeno
A $500 excess per person per year.
"..Should you require treatment for a service which is excluded from your level of cover no benefits are payable by MBF for any of the hospital or doctor's charges associated with that admission.."
I remain unconvinced on the benefits of private medical insurance but if I did take it out it would have to be with a provider that is not run for profit.
"..Should you require treatment for a service which is excluded from your level of cover no benefits are payable by MBF for any of the hospital or doctor's charges associated with that admission.."
I remain unconvinced on the benefits of private medical insurance but if I did take it out it would have to be with a provider that is not run for profit.
BG
#11
BE Enthusiast
Joined: Jun 2003
Location: Melbourne, Victoria
Posts: 524
Re: Private Health Insurance
Originally Posted by tabby
I think you will find everybody who has any sort of company/business is in it for the profit ultimately
#12
BE Enthusiast
Joined: Jun 2003
Location: Melbourne, Victoria
Posts: 524
Re: Private Health Insurance
Originally Posted by beachgal
I don't have a $500 excess!!!????????? What are you implying? Our excess is only $200 and you can have no excess -you choose this when you take the insurance out.
BG
BG
#13
BE Enthusiast
Joined: Oct 2005
Location: Blighty
Posts: 950
Re: Private Health Insurance
Originally Posted by NewOZ
i am looking for private health insurance company that covers dental, i heard about some that cover dental but u have to wait for 2 years till u be covered by dental insurance
For starters, you'd need you teeth examined before being provided any insurance on them (i guess to stop peeople taking out the insurance just to have wisdom teeth removed the following month, and then cancelling the insurance)