- Coronavirus FAQ's
- How we're supporting you during coronavirus
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Cover review
- How do I check my limits?
- Pre-existing conditions
- Suspending your cover
- Updating your details
- What am I covered for?
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Ambulance explained
- Ante/Post Natal Services
- Dental Explained
- Extras limits explained
- Health Appliances
- Health Screening
- HICAPS & HealthPoint explained
- How does extras cover work?
- Natural Therapies
- Non PBS prescriptions
- Optical explained
- Set Benefits FAQ
- Telehealth Benefits
- Travel vaccines
- What is health maintenance?
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Mental Health Waiver
- Entry Hospital
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
- Frank + health.com.au
There is a 2 month waiting period for General Dental services, which consists of services like:
Examinations – When the dentist checks your teeth for cavities and gum disease.
Preventative treatments – Such as a dental check-up, clean and polish.
Scale and clean – The removal of plaque and calculus, followed by a clean and polish to help with the longevity of healthy teeth.
General Dental services consist of the below item ranges:
There is a 12 month waiting period for major dental services.
411-458: Endodontic services like root canal therapy
811-881: Orthodontic services
Typically, major dental consists of things like:
Endodontic services – typically procedures such as root canal and wisdom teeth removal
Major restorative fillings – veneers and similar
Periodontics – treatment of periodontitis (also known as gum disease)
Each cover has a distinct range of services that are covered. Benefits are paid up to an annual cap, which applies over a calendar year, for every person covered by a policy. The annual caps vary by policy. It’s best to check your specific policy for set benefit details.
You may choose to see any provider you wish, as long they’re in private practice and recognised as such by us.
Dental procedures are typically performed in the chair at the dentists, but when it comes to more complex dental services such as wisdom teeth removal, your dentist may want to either remove them in the dental chair, or in a private hospital. This will depend on a few things, such as the position of the wisdom teeth, the urgency, and number of teeth needing to be removed.
Please Note: Waiting periods apply if you have not already served the relevant waits with us or your previous health insurer. Waiting periods will also apply to increased limits or added services should you upgrade your cover.
So what's the price difference between Dental chair and Private Hospital?
When having a dental procedure done in the chair, you’ll simply swipe your card when paying and the applicable benefit will be paid towards the service.
If you need to go to a Private Hospital for dental surgery (wisdom teeth removal for example) you'll have to pay any applicable excess for the hospital portion of the admission. The actual removal of your wisdom teeth (as it is still being done by a dentist, and falls within the 3-digit codes) will be paid by your extras cover, as explained above. Anaesthetic for the procedure in hospital will typically be covered under a relevant hospital cover, with what’s known as an MBS item number. More information on this is available here.
You can read more about going to hospital in our guide here.