dentists and medicare

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Nov 26th 2009 | 10:09 am

#16

ABCDiamond

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Re: dentists and medicare

Quote:

Originally Posted by Deutschmaster

I took out 'extras' as part of my medical insurance for an additional $5 a week.

I went to the dentist - for the first time in about 10 years last month.

I was so thankful to have the insurance. The initial consultation plus three tooth xrays came to about $270 in total however knocking off the insurance contribution I only paid $30 which was towards the xrays.

I had to go back for three fillings. They came to $360 although the insurance paid $240 of that

Based on 10 years premiums at $5 per week = $2,600 in dental premiums.

Not sure about the economy of that ....

However, if I could get dental cover for only $5 per week, I would take it...

Nov 26th 2009 | 10:12 am

#17

Deutschmaster

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Joined: Jul 2008

Posts: 1,048

Deutschmaster is a splendid one to behold

Re: dentists and medicare

Quote:

Originally Posted by ABCDiamond

Based on 10 years premiums at $5 per week = $2,600 in dental premiums.

Not sure about the economy of that ....

However, if I could get dental cover for only $5 per week, I would take it...

Extras also cover glasses

Nov 26th 2009 | 11:00 am

#18

ABCDiamond

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Re: dentists and medicare

Quote:

Originally Posted by Deutschmaster

Extras also cover glasses

I assumed that $5 was just for dental. That is a good premium. Who is it with ?

I just did a quick quote for myself, for extras only, and got:

Premium:
$16.73 weekly ($860 per year)

Cover:
General Dental: Unlimited
Optical Items $250
Endodontic Services $400
Orthodontic $400

Nov 26th 2009 | 11:06 am

#19

Amazulu

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Joined: May 2003

Posts: 24,249

From: Alloha snack bar

Re: dentists and medicare

Quote:

Originally Posted by kybik

Is it very expensive to receive dental treatment in case of tootache, for example? Or Medicare covers all costs like that?

Dental treatment in Australia is very expensive. There is generally no Medicare rebate.

Nov 26th 2009 | 12:19 pm

#20

Deutschmaster

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Joined: Jul 2008

Posts: 1,048

Re: dentists and medicare

Quote:

Originally Posted by ABCDiamond

Nib - $10 a week for insurance, $15 a week for standard + extras.

Nov 26th 2009 | 1:16 pm

#21

ABCDiamond

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Re: dentists and medicare

Quote:

Originally Posted by Deutschmaster

Nib - $10 a week for insurance, $15 a week for standard + extras.

It must be my age

Last time I looked I am sure I was looking at over $40 pw for Hospital insurance alone

I'll check NIB out of curiosity

Nov 26th 2009 | 1:28 pm

#22

ABCDiamond

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Posts: n/a

Re: dentists and medicare

Quote:

Originally Posted by ABCDiamond

I'll check NIB out of curiosity

Full cover Hospital and Extras

$94.86 per week with nil excess
$86.84 per week with a $250 excess
$72.72 per week with a $500 excess

Hmmm... this seems better....

Dental Plus ONLY

Extras benefits, paid back as 50% of the cost

So if I spend $1,200 on dental I get back $600, leaving me $90 in pocket after the premium..
This is why I always end up not bothering

BUT.... one day, I may regret not having insurance..... that is the risk we take. Same with car insurance, if we opt to go without Comp cover on our Mercedes (not that I have a Mercedes though

)