Planning for dental implants often involves more than just scheduling appointments. If you have private health insurance with extras cover, the timing of your care could help you make better use of your annual limits. Here’s what you need to know about splitting your implant procedure between benefit years.
How Annual Limits Work
Most health funds set annual caps on major dental work, which typically includes implants and related procedures. These limits reset each benefit year, whether that aligns with the calendar year or your policy anniversary date. The amount you can claim depends on your level of cover and waiting periods.
Using The Two-Year Approach
What You Should Check First
Before planning your timeline, contact your health fund directly. Ask about your annual limit for major dental, when your benefit year resets, and how implants are classified. Some funds categorise implants as cosmetic unless there’s a medical reason for the procedure, which could affect your claims.
Your dentist at Hervey Bay Dental can provide an itemised breakdown of anticipated costs and procedure codes. Take this information to your insurer to get a clear picture of potential rebates.
Planning Your Timeline
If you’re considering this strategy, factor in healing time between stages. Your dentist will advise on appropriate timeframes based on your circumstances. While splitting the work can help with health fund claims, the schedule must still suit your oral health needs.
Does This Work for Everyone?
This approach makes sense for patients with health insurance who have significant annual limits. If your policy has low caps or long waiting periods, the benefit might be minimal. Each situation differs, so it’s worth discussing during your consultation at Hervey Bay Dental.
Ready to Discuss Your Options?
Book a consultation in Hervey Bay to talk through your implant timeline and how to make the most of your health fund benefits this year and next.
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