Your End-of-Year Health Fund Guide
As the end of the year draws near, it’s the perfect time to review your health fund and ensure you’re getting the most out of your dental benefits before they reset. Your extra benefits don’t carry over into the new year, so it’s important to use them while you can!
Make The Most of Your Health Fund for Dental Care
At Innova Dental, we’re committed to your oral health and well-being. To help you maximise your plans, we’ve put together some essential information so you can take full advantage of your health fund and avoid missing out on necessary dental care.
Key Dates for Health Fund Resets
Your health fund extras typically reset on one of three dates:
- 1st January
- 1st July
- The anniversary of your policy start date
Check your policy to confirm when your benefits reset, and be sure to schedule your dental treatments before that happens!
Don’t Leave Dental Health Fund Benefits Unused
Many Australians miss out on the extras benefits included in their health fund, particularly when it comes to dental extras. It’s estimated that between $800 and $1,300 worth of benefits go unused each year, per person. For families, this number can be even higher. Imagine paying for excess to essential dental care which goes unused, and this ultimately only benefits the health insurance companies.
Common areas where health fund extras go unused include:
- Dental
- Physio
- Podiatry
- Optical
Now is the time to book in those overdue dental examinations or any treatment you need and have been putting off.
Four Ways to Make Sure You Use Your Dental Benefits
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Check Your Health Fund Details: Don’t miss out on dental services simply because you’re unaware of what’s covered. Review your policy carefully to ensure you’re taking full advantage of what’s available.
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Prioritise Your Dental Care: Life can get busy, but putting off necessary dental treatments could mean missing out on benefits you’ve already paid for. Sometimes this can mean years of premiums paid and unused benefits! Make oral health a priority and schedule your dental appointments before your benefits reset.
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Shop Around for the Right Coverage: If you’ve been paying for extras that you don’t use, you might benefit from reviewing your health fund coverage. Compare what you’ve used with what’s available to see if you can adjust your plan for better value next year with a different fund company.
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Use It or Lose It: If you still have unused dental benefits which resets in the new year, now is the time to book your treatments before the year ends. Whether it’s a routine clean, a dental exam, or a more complex procedure, getting it done before your health fund resets will save you money in the long run.
Maximising Your Dental Cover at Innova Dental
Dental care is often included as part of your health fund’s extras, allowing you to take care of your teeth without significant out-of-pocket expenses. Depending on your plan, you may have access to:
- Preventive Care: Regular cleans, x-rays, and exams to maintain your oral health.
- Restorative Treatments: Fillings, crowns, and other treatments to restore your smile.
- Cosmetic Dentistry: Take advantage of extras to enhance your smile with teeth whitening or other cosmetic procedures.
At Innova Dental, we work with most major health funds and can help you understand what benefits you have available. Our team is experienced in working with various health insurance providers, and we’re happy to assist in ensuring you get the most out of your plan before the year ends. Enjoy two gap free preventative appointments per year with us if you are insured with St Lukes Health, CBHS, HCF or Westfund.
Ready to Maximise Your Health Fund? Book Today!
Don’t let your dental benefits go to waste! Review your health fund, schedule your dental appointment with our friendly team, and make the most of your coverage before it resets. Whether you need a routine check-up or more extensive dental work, Innova Dental is here to help you navigate this. We're privately owned, and trusted by locals of Launceston and Hobart.
Contact us today to book your appointment and ensure you’re getting the care you need.