Can private health insurance help with braces and orthodontics?

Are you considering getting braces or orthodontic treatment for yourself or your child? It’s understandable that you may have concerns about the cost, time commitment, and overall inconvenience of the process. However, it’s important to remember that corrective dental braces offer numerous benefits beyond just a perfect smile. They can significantly improve your oral health as well. Braces are commonly recommended during childhood or early adolescence, but adults are increasingly opting for them as well.

If you have orthodontic private health cover it will assist in offsetting the cost of orthodontic treatments like braces, aligners, and retainers. If you want coverage for orthodontics along with other services such as optical and physiotherapy, you should look for an extras private health insurance policy that specifically includes orthodontics. It’s crucial to pay close attention to the benefits and features provided by different policies, and you can conveniently compare them by talking to

What cover do I need for orthodontics?

Usually, you will require a private health insurance plan with extras cover for dental treatment and it’s split into three categories.

  • General dental: Includes cleaning, plaque removal, X-rays and minor fillings
  • Major dental: Includes crowns, bridges and dentures and wisdom teeth extraction
  • Orthodontics

How do you know if you or your child actually require braces or orthodontic work? 

Here are some indications that there is a need for orthodontic treatment:

  • Teeth coming out too early, too late, or irregularly
  • Crowded or misaligned teeth
  • Protruded teeth
  • Excessive overbite or underbite
  • Difficulty chewing
  • Jaw popping, shifting, or clicking
  • Crooked or unevenly spaced teeth
  • Underbites, overbites, or crossbites
  • Limited breathing
  • Gaps between teeth

What are the different types of orthodontic treatments available:

  1. Traditional Metal Braces: These consist of small metal brackets bonded directly to the teeth, along with an archwire that connects all the brackets. The brackets can be either “twin” brackets, requiring coloured, silver, or clear elastic modules for archwire attachment, or “self-ligating” brackets. Each bracket is designed for a specific tooth, considering its unique features and requirements.
  2. Clear Braces: Clear or tooth-colored braces are often used for upper teeth that are more visible when talking and smiling. Patients have the option of clear braces in either twin bracket or self-ligating design, including the option of clear braces for lower front teeth.
  3. Lingual Braces: If you prefer braces that are completely “invisible,” another option is lingual braces. These braces are fitted to the inside or lingual surface of the teeth, which provides custom-made braces for accurate fit and placement. 
  4. Invisalign: Invisalign is an almost invisible alternative to braces. It involves using a series of thin, clear aligners that resemble mouthguards. These aligners are worn full-time, except when eating, and are changed every two weeks to gradually move the teeth to the desired position. 
  5. Plates: Dental plates are removable plastic devices designed to adjust or stabilise teeth using wires and springs. Unlike fixed braces, these plates can be easily taken out of the mouth whenever desired.
  6. Retainers: After undergoing orthodontic treatment, wearing a retainer is recommended to maintain the new shape of your teeth. Retainers can be removable appliances or bonded retainers that are glued to the back of the teeth so they are not visible.

Are braces and orthodontics covered by Medicare?

Generally, Medicare does not cover braces and orthodontic treatments. Dental treatments, in general, are not covered by Medicare, although the Child Dental Benefits schedule does provide some dental coverage for kids. However, orthodontics and braces specifically do not qualify for this coverage through Medicare.

What should I look for in a private health policy for my orthodontic needs?

  1. Take the time to compare different providers online, chat to your dentist and talk to friends and family for referrals. Spending some time researching can potentially save you hundreds of dollars in the long run.
  2. Pay attention to the annual limits of the private health policies you’re considering. The annual limit is the maximum amount you can claim for orthodontic treatment in a year. Higher limits allow you to claim more, but keep in mind that premiums are usually higher as well. 
  3. Lifetime limits are another important factor to consider. Some private health insurers set a maximum lifetime limit for orthodontic coverage. If you anticipate needing extensive orthodontic work, make sure to check the lifetime limit, as it represents the maximum amount you can claim over the course of your policy, regardless of how long you hold it.
  4. Waiting periods is another key factor to take into consideration, usually with most policies – braces or orthodontic work have a 12 month waiting period before you can claim. Check with your private health provider as some waiting periods may vary.
  5. Price is undoubtedly a crucial factor in your decision-making process. However, it’s important to strike a balance between cost and private health coverage. Avoid simply opting for the cheapest policy without thoroughly comparing your options. You might find a better deal elsewhere without compromising the coverage you need. On the other hand, be mindful of your budget and avoid policies that stretch your financial limits.
  6. Consider the additional benefits offered by extras policies. These policies often provide various perks beyond orthodontic coverage. You might enjoy additional discounts on services like massages, physiotherapy appointments, or even gym memberships. 

To find the best provider for braces and orthodontic cover, we recommend comparing online with us. Don’t limit yourself to a familiar brand or rely solely on recommendations from friends. By researching online, you can discover a private health insurance policy that suits you best and potentially save hundreds of dollars. Look at the annual limits for orthodontics, as they determine the maximum amount you can claim in a year. Consider the lifetime limits as well, which indicate the maximum amount you can claim over the duration of the private health policy.

To compare private health insurance that best covers your dental and orthodontic needs – Call us on 1300 861 413 or email hello@healthmarketing

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How to reduce your tax with Private Health Cover

Have you ever wondered how you could lower your taxes just by signing up for private health insurance? In Australia, we have something called the Medicare levy surcharge (MLS), which is a tax implemented by the Government to encourage people to use private hospitals alongside Medicare. This tax applies to individuals and families with higher incomes who don’t have eligible private hospital coverage. Its purpose is to ease the strain on the Medicare system by directing the funds collected back into it.

So, how does the Medicare levy surcharge actually work? 

It’s pretty straightforward. The tax is calculated as a percentage of your taxable income, total reportable fringe benefits, and any amount for which family trust distribution tax has been paid. Once you hit the means testing amount you start paying the MLS. At the low end of the MLS you will pay 1% and 1.5% at the top end. For more information click here.

Now, let’s talk about the private health rebate

The private health insurance (PHI) is a Government assisted rebate amount provided to assist with the cost of your private health insurance premiums. This rebate is subject to income testing, meaning your eligibility for it depends on your income for surcharge purposes. As a higher income earner, your entitlement to the rebate may be less or you may not be entitled to a rebate at all.

You might be wondering how the private health rebate can help you with your tax. 

Well, if you qualify for the rebate, there are two ways to claim it. Firstly, you can have your private health insurance provider apply the rebate directly to reduce your premiums. Alternatively, you can claim the rebate as a refundable tax offset when you lodge your tax return. 

So, by having eligible private health cover, you not only benefit from the private health rebate, you may potentially avoid paying the Medicare levy surcharge, which can reduce your tax liability. It’s a win-win situation where you can take care of your health and save on your taxes at the same time.

To compare private health insurance – Call us on 1300 861 413 or email

Useful links

Private health insurance rebate eligibility – Find out if you are eligible for the private health insurance rebate and how you can claim the rebate

Medicare levy surcharge income, thresholds and rates – Based on your income for MLS purposes, you can work out which income threshold and MLS rates apply to you.

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The Essential Guide to Private Health Cover for Singles

As a single person, your private health coverage requirements may differ from those of a couple, single parent, or family. That’s why it might be beneficial for you to consider a singles policy that is specifically tailored to your current stage of life, overall health, income, and personal preferences. When it comes to safeguarding your health and well-being, having private health cover as a single is a wise choice.

For singles navigating the world of private health insurance, understanding the ins and outs of various plans can be overwhelming. In this post, we’ll explore the key aspects of private health coverage for singles, explain its importance, and provide useful insights to help you make an informed decision. Whether you’re a young professional, a self-employed individual, or simply someone looking for comprehensive private healthcare options, this guide will equip you with the knowledge you need to find the perfect policy.

What exactly is singles private health cover?
It’s a policy designed to cover the private healthcare needs of a single individual. Unlike couples or family policies that provide coverage for multiple individuals, a singles policy focuses solely on one person.

The key advantage of a singles private health insurance policy is the ability to customise it according to your specific needs. Unlike couples or family private health plans, where everyone is covered for the same set of benefits, a singles policy can be personalised based on your unique requirements. If you are part of a couple, you also have the option to consider obtaining two separate singles policies. This allows each of you to tailor the policy to your individual needs and desired level of coverage.

By opting for a singles private health policy, you can have peace of mind knowing that your healthcare needs are adequately covered. Whether you’re looking for comprehensive coverage or have specific medical concerns, a singles policy can be tailored to suit your preferences and provide the necessary protection for your well-being.

Understanding Private Health Coverage for Singles:
Private health coverage for singles offers additional benefits and services beyond what is provided by our public health system. For singles, it provides tailored coverage, flexibility, and a higher level of control over your healthcare choices. Here are some essential aspects to consider:

⦁ Comprehensive Coverage: Private health cover offers a wide range of benefits that go beyond what is typically provided by our current public health system. These policies often include coverage for hospital stays, surgeries, prescription medications, and preventive care.
⦁ Faster Access to Healthcare: With private health cover, you can typically avoid long wait times for medical treatments and consultations. This means you’ll receive prompt attention and care when you need it the most.
⦁ Choice of Healthcare Providers: Private health insurance cover grants you the freedom to choose your preferred healthcare providers, including doctors, specialists, and hospitals. This flexibility ensures you receive care from professionals you trust.
⦁ Additional Services: Many private health plans offer additional extras services such as dental care, eye care, mental health support, and alternative therapies. These extras will enhance your overall well-being and provide a comprehensive healthcare solution tailored to your needs.
What are the different types of singles private health insurance policies?
There are three different types of private health insurance:
⦁ hospital cover,
extras cover and
⦁ combined hospital and extras cover.

What do the different types of private health cover mean?
Hospital cover provides you with the opportunity to receive medical treatment as a private patient in either a private or public hospital. With hospital cover, you typically have the freedom to choose your own doctor. It also helps in managing some of the medical expenses incurred during your hospital stay.

Hospital policies are categorised into four main tiers: Gold, Silver, Bronze, and Basic.

Each tier ensures a minimum standard of treatments. Additionally, Silver, Bronze, and Basic tier policies may offer a “Plus” option that provides extra coverage beyond the minimum standard.

On the other hand, extras cover assists in covering you for the costs of various health services that fall outside of hospital treatment. These services can include dental care, chiropractic treatments, physiotherapy sessions, and optical needs like glasses and contact lenses. Unlike hospital cover, extras policies are not bound by the tier requirements. Instead, the coverage provided by extras policies depends on the specific policy and provider you choose.

Why is private health cover so important?
Private health cover is incredibly important for several reasons. Firstly, it offers individuals greater control and choice over their healthcare. With private health cover, people have access to a wide network of healthcare providers, allowing them to select the doctors, specialists, and hospitals that best meet their needs.

Additionally, it provides financial security when it comes to your health and wellbeing by covering the cost of expensive medical procedures, medications and treatments that may not be covered by the public healthcare system.

Explore your options
Ultimately, private health cover offers peace of mind, knowing healthcare is readily available. Talk to our friendly staff today to discuss your singles private health cover options. They will assist you in comparing private health insurance policies that best suit your situation and stage of life.

Call us on 1300 861 413 or email

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Lifetime Health Cover Explained

Are you turning 31 soon or have you already passed that age milestone? If so, it’s important to know about Lifetime Health Cover (LHC) loading and how it may affect your private health insurance. Here we’ll explain what LHC is, how it works, and how it can impact your healthcare costs. We’ll also provide some tips on how to compare private health insurance plans to find the best coverage for your needs.

What is Lifetime Health Cover?
The Australian Government has an initiative called Lifetime Health Cover (LHC) that encourages young people to take out private hospital cover sooner rather than later. This is because the more people who have private health insurance, the less strain there is on the public health system.

How does it work?
If you don’t have hospital cover by 1 July following your 31st birthday and choose to take it out later in life, a loading of 2% will be added to your hospital cover premium for every year over the age of 30 you were without it. This means that if you wait until you’re 35 to take out hospital cover, your premium will be 10% higher than it would have been if you had taken it out at 31. If your birthday is in the second half of the calendar year, you’ll have until July 1 in the following year to purchase hospital cover prior to the 2% loading being applied. So as an example, if you turned 31 in October, you won’t have to pay the extra 2% loading until 1st of July the following year.

How is LHC calculated for couples and families?
If you’re on a couples or family private health policy, the LHC loading is calculated by taking an average of the loadings applied to the adults on the hospital cover. So, for instance, if one person has an 18% loading and their partner has no loading, the loading applied is 9% overall.

Calculate your LHC loading
To determine your Lifetime Health Cover loading on your hospital cover simply visit this easy calculator.

What if I switch health funds?
Your LHC loading goes with you when you switch private health funds. If you’re switching to a new fund, it’s a good idea to maintain your hospital cover until the date that you transfer to avoid using up any of your permitted days without cover unnecessarily.

What if I’m going overseas?
If you’re going to be out of Australia for 2 to 24 months, you can apply to suspend your private health cover. Your LHC loading level will not be affected, if your request is approved. You’ll avoid waiting periods for pre-existing hospital conditions when you return to Australia.

Exemptions for LHC

  • Exemptions for the LHC loading include:
  • If you were born before 1 July 1934
  • If you are overseas on 1 July following your 31st birthday*
  • If you are over 30 years of age and were overseas on 1 July 2000*
  • If you are a member of the Australian Defence Force
  • If you are a Department of Veterans’ Affairs (DVA) Gold Card holder*

*You will be required to take out a level of Private Health Insurance within a certain amount of time on your return. Contact us for more detail.

Can my LHC loading be removed?
Your LHC loading can only be removed once you’ve paid the loading for 10 continuous years. Once your 10 years is up, the loading may be reapplied if you choose to drop your hospital cover and take it up again in the future. It’s best to check with your private health insurer regarding these conditions.
Lifetime Health Cover loading: Key takeaway points

  • It’s best to get private health insurance (hospital cover) before 1 July after your 31st birthday. This will help you avoid a 2% surcharge on your health insurance premiums, which you’ll have to pay for every year you don’t have hospital cover.
  • This surcharge can add up quickly and reach a total of 70% once you turn 65, but it won’t increase beyond this point.
  • The LHC loading surcharge will be removed if after 10 consecutive years you maintain an adequate level of private health insurance.

For more tips if you’ve never had private health insurance visit our blog to learn what you need to get started.

Compare private health insurance coverage today and discuss your lifetime health cover with our friendly team – call 1300 861 413 or email

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What do I get with my silver tier cover?

With many levels of private health hospital cover on the market today, it’s often difficult to know what level would suit you and your budget. If gold hospital cover is too expensive or you don’t need the inclusions, silver hospital cover is often a good middle-level coverage choice. Here we will compare private health policies and the details of the inclusions of silver hospital cover.

A Silver health insurance policy typically provides coverage for a range of hospital treatments as a private patient. With this policy, you’ll will be covered for all the hospital treatments provided in the Basic and Bronze policies, as well as clinical categories such as Heart and vascular system.

What’s included in silver hospital cover?
Silver health insurance is the second-highest tier of hospital product policies available, behind Gold hospital cover. If you opt for Silver private health cover, you’ll receive the same minimum levels of coverage as Basic and Bronze policies as mentioned, with the added benefit of eight additional medical categories. These include cover for:

  • Heart and vascular system
  • Lungs and chest
  • Blood
  • Back, neck and spine
  • Plastic and reconstructive surgery (if it’s medically necessary)
  • Dental surgery
  • Podiatric surgery &
  • Implantation of hearing devices

What is the difference between gold, silver, bronze, and basic hospital cover?
In case you’re wondering about the difference between the four types of hospital cover available, let us break it down for you. In April 2020, the Australian Government mandated that private health insurers must categorise their policies into uniform tiers based on minimum service coverage requirements. These categories include Gold, Silver, Bronze, and Basic. Private health insurers must inform policyholders which category their policy falls under, allowing them to check if their cover aligns with their needs.

What isn’t covered under silver health insurance?
When you have a silver health insurance policy, there are certain hospital treatments that won’t be covered. These exclusions are typically part of the gold tier, which offers more comprehensive coverage. Here are some of the treatments that your standard silver policy may not cover:

  • Pregnancy and childbirth
  • Pain management using a device
  • Cataract surgery
  • Joint replacement surgery
  • Assisted reproductive services
  • Sleep studies
  • Dialysis for chronic kidney failure
  • Weight loss surgery
  • Insulin pumps

It’s important to note that while these treatments may not be covered under a standard silver policy, some health funds may still offer additional coverage for them under a Silver+ or Plus policy. Keep in mind that this additional coverage may come at an extra cost.

Compare levels of private health cover
Below is a summary table of what hospital treatments are covered in each level of private health cover as set out by the Government.

Is silver tier private hospital cover worth it?
Silver tier private hospital cover offers numerous advantages, such as circumventing lengthy waiting times at public hospitals, providing financial benefits towards private medical procedures, and granting you greater flexibility in terms of where and when you receive treatment. In addition, it affords you and your loved ones a sense of security, safeguarding against unforeseen medical expenses. Therefore, it is worth considering investing in silver tier private hospital cover.

What are my waiting periods?
The maximum hospital waiting periods that health insurers can apply are set down in the Private Health Insurance Act 2007:

  • 12 months for pre-existing conditions—this is defined as any condition, illness, or ailment that you had signs or symptoms of during the six months before you joined a hospital policy or upgraded to a higher hospital policy.
  • 12 months for obstetrics (pregnancy)—to be covered, the mother’s hospital admission needs to take place after the 12-month waiting period has been completed.
  • Two months for psychiatric care, rehabilitation, and palliative care, even for a pre-existing condition—this can include treatment of postnatal depression, eating disorders, and drug and alcohol rehabilitation, amongst other treatments.
  • Two months in all other circumstances.

Do my waiting periods transfer if I change to silver hospital cover?
Yes, your waiting periods follow you when you transfer to a new private health fund. Within 30 days of switching, if you are coming from another provider, the new provider will acknowledge any waiting periods you have already completed.

Switching is easy.
If you’re currently with another health fund and are considering switching, know that the process is much easier than you might think. By contacting Health.Compare we’ll take care of cancelling your existing private health cover on your behalf, so you won’t have to spend any time without coverage. Don’t hesitate to make the switch today and discuss your hospital cover options with our friendly team.

Call us on 1300 861 413 or email to compare health insurance silver tier hospital cover.

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The 4 most claimed Extra’s Benefits when it comes to Private Health Cover

When it comes to taking care of your health, having private health insurance is an excellent way to ensure you have access to the best care possible. But what about those extra health expenses that Medicare won’t cover? That’s where extras policies come in handy. In this blog, we’ll take a closer look at the four most claimed extras benefits under private health cover right now.

⦁ Dental Cover
Did you know that dental care is the most popular extra benefit? Almost half of all claims fall under this category. Dental cover is split into four categories, including general dental (check-ups), major dental (crowns and tooth extractions), endodontic (root canal), and orthodontic (braces). General dental annual limits range from $200 to unlimited, while major dental and endodontic range from $300 to unlimited. So, if you’re looking for an extras policy, make sure it includes dental cover and speak to your provider about their claim limits.

⦁ Optical Cover
After dental, optical cover is the second most claimed extra benefit. The typical benefit for optical is around $180, but some private health policies may have extra sub-limits for frames, lenses, and contact lenses, so be sure to confirm how much you can claim before joining the fund.

⦁ Physiotherapy Cover
Physiotherapy cover is generally included as a component of extras, and if you have this type of cover, you may be able to claim some of the cost of your physio sessions back on your private health insurance, up to an annual limit. See what physio cover is best for you and your stage of life.

⦁ Chiropractic Cover
Chiropractic treatments are designed to address chronic back pain, sports injuries, lower back pain and/or leg pain (sciatica), neck pain, headaches, migraines, joint issues, repetitive strains, arthritic pain, posture issues, and many other connected problems. To claim a chiropractor treatment, you need to find a private health policy that includes chiropractic within its “extra” benefits (general treatment cover or ancillary cover).

What level of extras cover do you need?
Determining how you use your extras cover will assist in the cover you choose. If you have ongoing dental problems, monthly massages, buy a new pair of glasses each year, and plan to get braces for your kids, you’ll benefit from a more comprehensive private health cover. If you’re only after the basics, such as dental, optical, and physiotherapy, then a budget or medium policy may suit you best.

In conclusion, it’s important to consider a private health extras policy to cover those extra health expenses that Medicare won’t. By understanding the most claimed extras benefits, you can make an informed decision about which policy best suits your needs. So why not compare private health insurance coverage today and discuss various extras options with our friendly team?

Call us on 1300 861 413 or email

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