Use your health fund before it rolls over in the new year


At Fix Dental we are firm believers that you should get what you pay for. If you’ve paid for dental cover as part of your health insurance plan with your health fund, you should be using that dental cover to its maximum value every single year.

Of course, we strongly recommend that everyone visit their dentist at the very least once every year, if not every six months. This is the best way to stay ahead of any dental problems before they develop into more serious issues that can end up costing even more money than necessary (much of which might end up coming out of your own pocket).

When does your Health Insurance Roll over?

Health insurance coverage DOES NOT roll over. Your health insurance inclusions will most likely reset on January 1st, meaning that anything that you had the right to exercise inside the limitations of your coverage will be exhausted if it went unused in the previous calendar year.

Not all health insurers reset inclusions on January 1st, however the vast majority do. Check with your provider to ensure you have your dates right.

If you hold health insurance with any insurer in Australia, it’s important to understand that your inclusions will reset on January 1st each year. If that’s you, then you need to organise all of your appointments within the next few weeks to ensure that you use all of your inclusions before the reset date. It’s not just good financial sense, but it’s also great for your health.

What happens when your Health Insurance Resets?

When your health insurance resets, you will lose all of the inclusions that you may have accumulated during the current calendar year. For example, if you have a set amount of rebates for dental appointments, this will reset on January 1st. If you haven’t used any of those rebates, or in the case of some employers, a free check-up and clean, you will not be able to take advantage of that after January 1st.

Of course, you will still receive any rebates or inclusions available to you in the next year. However, by not utilising your existing inclusions, you will miss out on the opportunity to improve your health and use that which you’re paying for. We strongly recommend that everyone utilises their inclusions prior to the health insurance reset on January 1st.

How do Health Fund Annual Limits work?

Each year, health fund limits roll over on January 1st. If you have not used your inclusions, they will be forfeit, and your health insurance will reset to another year. All insurers have an annual limit on Extras. These include optical treatments, physiotherapy and of course dental treatments. Most insurers won’t cover your treatments completely. The cost of your treatments will be covered up to a certain amount, from 50% up to 75% of your over-the-counter cost for treatments.

How to use your Health Fund Dentist Limit

The first step to utilising your health fund inclusions is understanding exactly what you get, and what your level of coverage entitles you to. Make sure you have a clear idea of the rebates you’re entitled to, the number of appointments you may be able to get, and the range of services that are covered as Extras under your health insurance plan.

Once you have a good idea of what you’re entitled to, the next step is using your health fund dentist limit. Call us and book an appointment, or book online via a website. We’ll conduct a check-up and clean and any additional required treatments depending on the results of our initial check-up.

The best argument for a visit to the dentist

The best argument for a visit to the dentist is your own long-term health. Your dental health can have significant impacts on your overall health and may even have an influence on your life span. If nothing else, dental health can certainly influence your quality of life. Maintaining good care of your teeth and keeping them in top health ensures that you can comfortably smile, eat and drink whatever you please and go through life pain-free.

There is nothing worse than having poor dental health. Every time you eat or otherwise interact with your teeth (something we all do many times a day) you are reminded of your dental problems and the urgency of treating them. However, so many of us put things off for far too long and it often results in unnecessary pain and extensive dental treatments that are often more expensive than they may have been initially.

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