On the Spot Health Fund Claims
For your convenience, Windsor Dentists provides on-the-spot HICAPS health fund claims. This means no trips or calls to your health fund and no claim forms to fill out.
Do You Accept my Health Fund?
We accept and welcome discounts provided by all health fund providers.
The amount of discount you will receive back from your fund will vary depending on the health fund you are with; your level of cover and the amount you pay for extras cover; waiting periods and the rules of your fund. As this can be complex, we always recommend you contact your health fund for details regarding your policy.
Is Extra’s Cover Worth It For Dental?
This is a common question we get from many of our patients. We recommend patients regularly review their extras cover to ensure the discounts your health fund provides are worth the cost of extras cover. Due to rising premiums, and depending on your circumstance, extras cover may be costing you more than it is worth.
Private health insurance premiums in 2016 have risen on average 5.59%, this a 48.3% cumulative increase since 2009. Source Department of Health – health.gov.au
A recent study by CHOICE in 2016, a consumer advocate group for consumers by consumers, found that only around $370 on average was paid out in extras benefits per person in 2013/14. It also found that you can save between 30% and 45% of your health insurance premium by dropping extras insurance.
It is important to realise that extras cover is separate from basic hospital cover and that by dropping extras cover you are not affected by the Medicare Levy Surcharge (MLS) and the Lifetime Health Cover (LHC) loading.
Click here to read CHOICE’s article