All the things you need to know about Our Fees Guide, Payment Policy and Warranty
OUR COSMETIC AND RESTORATIVE COST RANGES
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Whether it’s an achy tooth or you want to be able to smile confidently again, please feel free to get in touch with us for an initial quote. THE FEES PROVIDED BELOW ARE INDICATIVE AND TO BE USE FOR REFERENCE ONLY, as each treatment plan is bespoke to each patient’s individual needs after a personal consultation with one of our dentists.
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| Our Cosmetic & Restorative Cost Ranges | |||
| Treatment | Low Range | High Range | Cost Details |
| 15 minutes FREE COSMETIC consult | FREE | FREE | Free Cosmetic & Invisalign Consult |
| Porcelain Veneers (per tooth) |
$700 | $2,500 | Porcelain Veneers Cost |
| Dental Bonding (per tooth) |
$300 | $700 | Dental Bonding Cost |
| Composite Resin Veneer (per tooth) | $300 | 700 | Composite Veneer |
| Take-home Teeth Whitening Kits | $200 | $400 | Teeth Whitening Cost |
| In-office Teeth Whitening (per session) | $300 | $1,000 | Teeth Whitening Cost |
| Invisalign. Depending on the type | $2,200 for I7 | $8,000 for Complex | Invisalign |
| Snap on Smile (per arch) |
$1500 | $2,500 | Snap on Smile |
| Dental Porcelain Crowns & Bridges (per tooth) |
$900 | $2,500 | Dental Crowns |
| Dental Composite or White Fillings | $90 | 400 | Dental Composite or White Fillings |
| Porcelain Fillings-inlays, Onlays | $650 | $900 | Inlays and Onlays |
Please note of the following:
- These fees are a guide only.
- Every patient is different hence each patient’s fees will reflect their individual needs.
- Every patient will have a personalised dental report with the relative fees after your initial examination.
- This Fees guide can change anytime without prior notice. Call the office if there has been an updated recent fees
Did you find the treatment Fees you are looking for? We offer full range of General and Cosmetic Dentistry,as such there are so many treatments and procedure,
that we can not include them all on the chart above. Please give us a call on 9629-7664 or use one of our form to Get a quote
Should you find a comparable genuine cheaper quote we will PRICE MATCH IT AND BEAT IT. See below
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TREATMENT QUOTATIONS
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For Extensive & Complex Cosmetic and Full Mouth Reconstructions and General dental treatment
Patient can get an initial quotation from the clinic if you provides X-rays, dental reports or other sufficient information. On major cosmetic and general works, our practice make an attempt provide a written quotation after an overall status assessment for all our patients.
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After the status assessment and consultation, the patient will receive a final written quotation, which includes a list of all cost items related to the dental treatment. If the patient accepts the final quotation, the patient has to sign it. One copy stays with the patient, the other with the clinic. Our quotation looks like an invoice, it is a cost calculation. It lists all cost items, quantities, unit prices and sum prices with disclaimer and terms and conditions at the back of the page.
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Quotation for Single dental works are done mostly verbally on an implied consent of the patient, unless the patient requested a written quote. Extended written treatment quotations may incur fees based on your individual needs and the time it will take us to accomplish the written treatment estimate or Quotation.
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We make an effort that the estimate on all dental procedures we have provided be as accurately as possible. Sometimes, presenting conditions encountered when the teeth are actually treated may require a change in treatment plan and fees. Treatment could be more or less extensive than originally determined. If a change occurs, we will informed you immediately and the treatment will not proceed without your approval. In certain unforeseen extensive treatment or cases, you will be referred to a specialist and any associated specialist fees is at your own expense or is not included on our fees that you have been quoted or paid.
Please take a note on the inclusion and exclusion coverage of any given written treatment fees.
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A quote for dental treatment is valid for 30 days from the date of examination and treatment planning, after which time we reserve the right to revise any fee quoted.
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ACCEPTANCE OF TREATMENT
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When you receive your written treatment plan and make appointments to commence treatment, it will be assumed that you have also followed the link to this document and read and understood the conditions of treatment herein. If you have any questions about your treatment or these terms and conditions of treatment, then we encourage you to contact us as soon as possible to discuss your questions. Once you have commenced treatment, you agree to accept all responsibility for ensuring completion of the treatment in a timely manner and attend for your booked appointment.
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Discontinuation of Treatment by the patient.
Should you elect to cease treatment, pro rata payment must be made for professional services to that point. Zenaidy Castro P/L accepts no responsibility for the state or maintenance of your oral health from that point onwards. If requested by the patient, or if treatment discontinuation results from an unavoidable geographic relocation, will endeavour to provide the name(s) of a practitioner to refer you to. In circumstances where treatment is discontinued, no warranty exists on treatment. Should treatment be terminated, all treatment that have been provided will be paid and any remaining credit balance for services not yet provided will be refunded to you.
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Discontinuation of Treatment by the practitioner.
We may reserve the right to discontinue dental treatment whenever it is considered advisable and in the best interest of you. Should treatment be terminated, any remaining credit balance for services not yet provided will be refunded to you.
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PAYMENT POLICY
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Acceptance of the written treatment plan indicates your acceptance and agreement to pay all professional fees in full. For some larger treatment plans involving multiple appointments, a deposit payment may be required to reserve this amount of clinic time in our appointment book just for you.
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If such a deposit is required, it will be indicated in your treatment plan letter. Due to the inherent cost of certain dental laboratory procedures, we don’t provide instalment payments, unless prior third party financing have been arranged, any remaining balance of payment to be made in full at the time of initial placement of the final prosthesis. This will be irrespective of any review or adjustment phases planned for a defined follow-up period.
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A breakdown of progress payments required will be advised to you. A final prosthesis may not be placed if the account outstanding is not paid in full before the cementation or placement of the prosthesis and a fee may be charged if an appointment must be cancelled because of such an occurrence.
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Terms of Payment On all invoices
Payment is required as the services are rendered or before initiated unless otherwise expressly agreed in writing by us. Unless otherwise agreed in writing or verbally agreed, a deposit of either fifty (50) per cent of the agreed price plus GST or full payment is payable with the signing of a booking or confirmation of a job and as set out. This deposit will be non refundable to the Patient to the extent it is required to meet the Company’s liquidated damages in event of cancellation of a booking or would be charged a $300 per hour in the event the booking made is more than 2-4 hours of the practice appointment time
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Accepted methods of payments are Cash, Bank checks, Credits cards, EFTPOS or Electronic Bank Transfer payment. All EFT or third party eg Patient Financing payment, treatment is initiated once the payment amount had been credited to our accounts.
Payments via Bartercard and BBX, please call the office if we are currently trading.
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Health Insurance Cover and Rebate
If you have private health insurance with dental cover, you may be eligible for a rebate from your insurer on the cost of your dental treatment. Please note that rebate amounts are determined by your insurer and may have little relevance or correlation to the actual professional fees incurred. The association between you and your health insurer is yours alone and whilst our staff may attempt to help with processing of your health insurance claims, we have no association with any health insurer. Your policy with any outside insurer and its terms and conditions, and the level of rebate you receive is a matter between you and your insurer. Failure of your insurer to provide you with any anticipated or actual rebate is a matter between you and your insurer and does not constitute grounds for failure to pay your account with us. Patients with dental insurance, once the insurance payment is received, will be immediately responsible for what is not covered
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Tax Deductible Treatment
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If the total fees for your dental treatment for a given financial year exceeds a minimum threshold amount (presently $1500), you may be able to claim a rebate on your income tax return for a percentage of that amount, less any rebate from a health insurer. Please consult your accountant on the update information on this issues. This form does not constitute tax advice and you are advised to consult with your accountant or financial advisor to determine the availability of such a rebate in your particular instance.
Default of Payment
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If the Patient defaults in any payment or becomes subject to an Insolvency Event then all moneys owing by the Patient to the Zenaidy Castro P/L shall notwithstanding that any prior agreed time for payment has not elapsed, become due and payable immediately and the Company may at its option withhold the provision of further services or cancel any Sales Contract with the Patient for the supply of Goods or Services without prejudice to the Company’s rights hereunder.
The office reserves the right to send the account to an Solicitor for collection. In the event that the account is send to debt collector or Solicitor Patient or person in charge of the account will be responsible for all cost and fees incurred
The Company reserves the right to charge interest on overdue amounts owing to it without prior notice to the Patient at a rate of two (2) per centum (%) per annum per calendar month above that as set out from time to time under the Penalty Interest Rates Act 1983 (Vic) or at such other rate as may be fixed from time to time by the Company, such interest to be computed from the date a payment becomes overdue until payment of such monies is received in full. The Company reserves the right to withhold at any time the provision of Services and/or Goods to the Patient in the event the Patient fails to comply with the Company’s terms of payment or for any other reason.
Any and all deposits paid to the Company by the Patient that are still in the possession of the Company on the date of receipt by the Company of notice of cancellation from the Patient shall be returned to the Patient, less the applicable cancellation fees and charges for the Company and any third party suppliers.
Lien In addition to any lien to which the Company may by statute or otherwise be entitled, the Company shall, in the event of the Patient failing to pay any outstanding account by the Patient to the Company or the Patient entering into any scheme or arrangement with its creditors or going into receivership or liquidation (save for the purpose of reconstruction), be entitled to a general lien on all property of goods belonging to the Patient in the Company’s possession (although such Goods or some of them have been paid for) for the unpaid price of any other Services and/or Goods sold and delivered to the Patient under this or any other contract.
The Patient represents and warrants that any credit information supplied to the Company for the purchase of Goods or Services by way of a credit card is true and correct, and any charges incurred by the Company will be honoured by the Patient’s credit card company, and further that you will pay any charges incurred by the Patient at the posted prices, including any applicable taxes.
Waiver Failure by the Company to insist upon strict performance of any term or condition herein shall not be deemed a waiver thereof or of any rights the Company may have and shall not be deemed a waiver of any subsequent breach of any term or condition.
Indemnity The Patient must indemnify and hold the Company harmless against any loss, damage or expense it may suffer or incur, or any claim which may be made against it by any person, as a direct or indirect result of any default by the Patient in fully and promptly complying with all its obligations under this Supply Contract.
The Company may rely on this indemnity as soon as the Patient defaults or any claim is made, and may pursue its rights against the Patient before, while, or after doing relying on this indemnity, or not relying on this indemnity at all.
Disputes Any dispute or difference whatsoever arising in connection with this agreement shall be submitted to mediation in accordance with and subject to the Law Institute of Victoria’s Code of Practice for Mediation.
We do not give any refund for any treatment that have been rendered and completed. Letting us do the work is your consent and acceptance of the treatment plan indicated and you are expected to pay all professional fees in full.
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INTERNET BANK TRANSFER DETAIL
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For Bank Transfer payment, please make to:
Ask our reception.
Send us by email the screenshot of the transfer receipt once you have completed the payment
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OUR 3 YEAR LIMITED WARRANTY
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We Build Relationship, Not just SmilesEverything we do at our practice is to the best of our ability. We pay attention to details, thorough and careful.
Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneWe put a lot of effort in ensuring that the precision we are working to is as fine as it can be. Every effort is made to ensure that our patients are delighted with all aspects of their treatment and our service.Any dentist cannot sincerely and specifically predict how long his dentistry will last beyond the number of years he has been in practice. As we are dealing with human beings, biological tissue and ceramics we cannot guarantee the duration of a restoration or prosthesis in a patient’s mouth. We can only offer predictions based on an epidemiological independent clinical studies.Inevitably, a certain percentage of restorations will break for a variety of reasons, some biomechanical others through carelessness or accident. Despite the best will and treatment, very occasionally restorations do not last as long as they should do or require updating for other reasons. Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneOur commitment to excel in our profession is further evident by our unique As a result, we offer limited dental warranty for the investment you have made in your dental health. Our goal is not only to treat your current dental problems but also to educate you in |
IMPLIED TERMS & WARRANTIES – 3 YEAR LIMITED WARRANTY
Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneThe Warranty refers to the entire work done, i.e. all materials, labour work/our own services and treatment EXCEPT LAB RELATED FEES. It is only valid for procedures that we’ve done in our clinic. Costs arising from work done in other dental offices are not covered under our warranty. The warranty of any of our treatment is only valid if our dentist completes the full work. If a problem arises during the 3 years warranty period, the patient has to contact the clinic as soon as the problem arises.
Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneTAKE NOTE: NON-ATTENDANCE OF 6 MONTHLY CHECK-UP AND HYGIENE APPOINTMENT IN OUR OFFICE WILL MAKE THIS WARRANTY VOID
6 Restorative dental treatments as provided by the Company are permanent and recommended as the most appropriate method of dental treatment at the time of the Patient’s consultation. If for any reasons including financial reasons the Patient is not able to have the recommended treatment as presented by the Company and opts for a treatment regime which is assessed by the Company in its absolute discretion as less than optimal including but not limited to a short-term fix, patchwork or any other temporary measures until definitive treatment is provided then any limited warranties provided by the Company under any Sales Contract will not take effect.
Treatments Under Limited Warranty Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbournePORCELAIN VENEERS, CROWNS, BRIDGES, INLAYS AND ONLAYS
Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneRECEMENTATION WARRANTY OF NEWLY CEMENTED PORCELAIN VENEERS:
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The prosthetic treatment provided is warranted for replacement at no cost should a failure occur under the following conditions.
Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneThe limited warranty period is for 3 years from the date of initial placement of the prosthesis, and is only valid if the patient returns for annual review appointment or as prescribed on your individual cases. These appointments are to review and check the prosthesis only and may include its cleaning, however they are not a substitute for regular recall examination and tooth cleaning services. Whilst the warranted period extends to 3 years, this does not mean that your prosthesis will not last longer if well maintained. In extreme rehabilitative or reconstructive cases, the dentition may be so compromised that even complicated, high quality prostheses may have a guarded or poor long-term prognosis. In such cases a normal warranty cannot be provided. If a normal warranty cannot be applied, it will be indicated in your treatment plan letter. Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in MelbourneThe following events are not covered in general by the Company’s three year limited warranty: Affordable Melbourne Dentist near me Price List| Affordable dentist Melbourne | Best dentist in Melbourne
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DOES MY HEALTH INSURANCE COVER COSMETIC DENTISTRY TREATMENT?
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Australian insurance companies, such as HBF, HCF, BUPA and Medibank usually cover Cosmetic Dentistry procedures such as Porcelain Crown, Bridges or Veneer under the category of ‘major dental’.
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Major dental is typically covered under the policies of higher extras cover which generally covers surgery and emergency treatment. Major dental typically includes complex and expensive procedures like braces, crowns, wisdom teeth removal, bridges and root canals. You can also receive cover for orthodontic and endodontic works.
How much does my health fund pay?
Each health fund pays a different rebate amount, depending on their rules for each level of cover. For an approximate rebate amount, ask your health fund what the maximum rebate amount for your “major dental” category is.
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At the practice, once you have been assessed, you will be provided with an itemised treatment plan. You can give this plan and the item numbers to your health fund. They will then be able to provide you with a precise, detailed quote.
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WOULD MEDICARE COVER MY DENTAL FEES?
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The Australian Government does not cover the costs of most dental services in the way it does with other health services. Most dental costs are paid for by patients.
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Medicare does, however, pay for some essential dental services for some children and adults who are eligible.
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Child Dental Benefits Schedule: This pays $1,000 over 2 calendar years for children aged 2 to 17 for basic dental services, including dental examinations, x-rays, cleaning, sealing cracked teeth, fillings, root canals and extractions. It does not cover orthodontic or cosmetic dental work or any dental care provided in hospital.
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Most of the services are bulk billed, so you don’t pay anything. The payments are only available to families who are already receiving other government benefits. To see if your child is eligible, visit the Department of Human Services website.
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Public dental services: The states and territories provide public dental services both for children and adults. These may include emergency dental services or referrals to specialist services like orthodontics in hospital. Adults must generally have a Health Care Card or Centrelink Pensioner Concession Card to be eligible, although the rules vary depending on where you live.
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Each state and territory offers different services and you may have to wait up to a year or more to see a dentist.
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To find out what’s available where you live, visit your state or territory health department website:
- Australian Capital Territory: ACT Health
- New South Wales: NSW Health
- Northern Territory: Department of Health
- Queensland: Queensland Health
- South Australia: SA Health
- Tasmania: Oral Health Services Tasmania
- Victoria: Department of Health
- Western Australia: Dental Health Service
READ MORE: https://www.healthdirect.gov.au/cost-of-dental-care
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FACTORS THAT INFLUENCE THE COST OF COSMETIC DENTISTRY IN MELBOURNE
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Today a healthy and beautiful smile is more important than ever, which is why many people are turning to cosmetic dentistry. While many people wish to perfect their smile, sometimes the cost of this treatment can be a big worry. The great news is that reasonably priced options are available today and payment options also make it easier than ever to enjoy a great smile. If you’re worried about cosmetic dentistry prices, here is a closer look at.
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Many different factors can influence what you pay to have cosmetic dentistry procedures completed. One big factor happens to be the type of treatment that you choose. If the treatment needed is limited, the price will be fairly low. However, if more extensive treatment is needed, cosmetic dentistry prices can quickly increase based upon the specific treatment needed.
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When people choose to have cosmetic procedures done on their teeth, they often forget to figure in the laboratory charges when figuring the approximate cost of treatment. Certain procedures may require some work in a laboratory, which will result in charges from the laboratory. While some dentists include this amount in the total cost, sometimes these charges may be separate. If you’re trying to figure out the overall cost of your cosmetic treatment, don’t forget about possible laboratory charges.
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In some cases, additional surgery may be needed for those undergoing cosmetic dentistry procedures. For example, those who decide on dental implants may require additional surgery to get the implant site prepared. Preoperative and postoperative surgical procedures are sometimes needed and can increase the overall cost of the cosmetic treatment needed.
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Now that you understand some of the factors that can affect cosmetic dentistry costs you may be wondering how much certain procedures will cost you. While the end cost can vary, here is a look at the estimated cost for certain procedures.
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Dentistry not ‘black and white’.
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Unfortunately in dentistry, more than in medicine, things are not absolutely black and white. So there are a lot of shades of grey and it depends very much on the dentist’s personal experience, expertise and training.”
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The patient’s own level of expectations and perfectionism, medical and dental history, oral hygiene status as well as their likelihood to follow a treatment plan can also influence the dentist’s decisions.
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Dentist are not basically trying to tell you something different to make more money, but they have different ideas, different trainings. And they see things differently. And it’s extremely variable.
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If you want to know the cost of a smile makeover, it makes sense to go to the dentists who know how to do it correctly and who can actually create a beautiful smile. Why get a smile makeover in the first place if the result is going to be a mediocre smile?
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WHERE CAN I GET MONEY FOR DENTAL WORK?
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Smart Tips to Finance Expensive Dental Work
Avoiding the dentist is tempting, especially because having a cavity filled or a tooth pulled is not anyone’s idea of fun. But there’s another reason why people would prefer to avoid the dentist: Dental work isn’t cheap.
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The cost of dental care per person has increased. And once you have a family, you might have to pay for multiple dental procedures each year, which can really add up.
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While the costs are a nuisance, skipping the dentist can put your health at risk. Untreated cavities are a pain (literally), and dental problems potentially can also lead to more serious health issues, like heart problems. Dental visits are just as important as visits to your physician—you don’t want to put them off for too long.
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While the costs are a nuisance, skipping the dentist can put your health at risk.
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Because most medical plans don’t include dental work, dental insurance is often sold separately. And even if you have dental insurance, there’s no guarantee that it will cover the entire cost of an expensive procedure.
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Fortunately, there are a few ways for you to pay for dental work if it isn’t covered by your insurance. Let’s take a look at what dental work your medical insurance might cover, payment plans for dental work, and dental loans.
USING INSURANCE FOR DENTAL WORK
Your medical insurance provider may only offer coverage for dental work it deems “medically necessary.” And what is medically necessary varies from provider to provider. Because dental health affects the rest of your body, there can be a fine line between what’s considered a dental procedure and a medical procedure.
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Oral surgery could potentially be billed as a medical procedure. And while dental procedures aren’t typically covered by medical insurance, there may be components that are covered under certain circumstances.
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Since it can be a case-by-case basis, before you move forward with any dental procedures, it’s probably a smart idea to talk to your medical insurance provider to see if you’re covered. That conversation alone can be a good start to understanding potential out of pocket costs that may come up.
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One important thing to note is that there is a difference between a dental office that takes your insurance vs a dental office that you are in-network with. A dentist may take your insurance even though you are out of network with them.
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When a dentist says that they take your insurance, that likely means that they will file a claim to your insurance for you. But if your insurance doesn’t cover a procedure or service, the price will generally be set at your dentist’s discretion—and you would typically be responsible for paying the costs out of pocket.
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Generally, using an out-of-network dentist means your insurance would cover less and you’d pay more. Being in-network, on the other hand, usually means that your insurance company has pre-negotiated the fees with the dentist and they generally can’t charge more than that. So you’d typically pay less with an in-network dentist because more of it might be covered by insurance.
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PAYMENT PLANS OFFERED BY YOUR DENTIST’S OFFICE
Paying a bill on a weekly or monthly basis can be much more manageable than paying it in a lump sum. That’s why dental offices may offer flexible payment plans for procedures not covered by insurance.
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Because payment plans differ from dentist to dentist, it can be helpful to speak to your dental office about the specific terms of any payment plans offered. For example, you might want to ask what procedures qualify for a payment plan.
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Is there an interest fee, and if so, how much is it? Do they have to check your credit before offering you a payment plan? Asking these questions beforehand may help keep you from getting blindsided by any unexpected costs.
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These payment plans may be offered directly through your dentist office, or they can be offered by third-party services like Care Credit . Check with your dentist to see which type of financing options they offer to see if they are a good fit for you.
TAKING OUT A DENTAL LOAN
A personal loan is an unsecured loan that you can use for almost anything. And because of this flexibility, many people use personal loans to pay for out of pocket medical expenses.
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And personal loans tend to have lower interest rates than credit cards.
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Using a personal loan to finance dental work (dental loan) might be a better option to finance dental work than using a credit card. The lower the interest rate, the lower your monthly payment. And personal loans tend to have lower interest rates than credit cards.
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Credit cards currently have an average interest rate of around 17% , but online lenders such as SoFi offer personal loans with lower interest rates to qualified borrowers.
How much you can borrow is also flexible when it comes to personal loans to finance your dental work. In short, a dental loan might be a good option to cover additional dental needs, from basic cavity fillings to more complex, high-cost procedures
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EARLY RELEASE OF SUPERANNUATION FOR DENTAL TREATMENT
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Do you need major dental work but have no idea how you’re going to pay for it? You could qualify for the Early Release of Superannuation (ERS), which has been established to provide you with access to your funds when you need them most.
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Instead of waiting until you are 65 years old, you are able to access your funds immediately, regardless of you are in your 20s or your 40s. That’s why requesting an early release of superannuation for dental treatment can provide enormous financial relief, especially if you have limited private health cover.
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How does early Release of Superannuation (ERS) work?
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The early access to superannuation funds has been designed to allow you to receive essential dental treatment that is paid for by funds that belong to you.
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However, you should note that you need to meet select criteria to apply for the early release of funds. This option should also be a last resort and one taken after all other considerations have been exhausted. Speaking to a financial counsellor before you go ahead is a good idea.
How can I apply for Early Release of Superannuation (ERS)?
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First, you need to establish if you are eligible to access the funds. Depending on the superannuation fund you are with, you are allowed access to a lump sum to pay out-of-pocket expenses for dental treatment for yourself or your dependents.
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The specific requirements for applying for early access based on compassionate grounds include:
- Meeting the needs of dental treatment that falls under any of the following conditions:
- Life-threatening
- Producing acute or chronic pain
- Reduces dignity or quality of life
- You do not have the financial means to pay for the required treatment.
- A report needs to be completed by a dental practitioner that is registered with the Australian Health Practitioner Registration Agency.
How does a dental ERS application work?
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Australian Tax Office (ATO) has strict rules for what qualifies as a treatment you can finance through ERS. Here’s how the procedure usually begins:
- Get a Dental assessment.
- At our practice, we present you with a comprehensive treatment plan backed by scans, photographs and video of your dental condition.
- Your plan lets you know exactly what we think needs to be done and why, and then gives the item number and cost for each.
- We discuss options for how to proceed. You can apply for ERS to pay for treatments for yourself, your partner or your children.
- Your application for funding must cover the entire cost of the procedure, so it is important you have enough funds to cover the cost of treatment.
Qualifying for ERS for dental
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Your superannuation is there to help protect your quality of life in retirement. Accessing it before that time is strictly regulated of course. However, for cases where your quality of life will be lower if you don’t access those funds, the government makes allowances.
It must be justified on medical grounds. If your teeth aren’t fit for purpose – if you can’t chew and can’t eat – that is good grounds for an ERS application.
Cosmetic veneers and things like that are not really an option. But if you need the porcelain to adjust your bite, that’s different. So, it really depends on your circumstances. All-on-4 is probably the most common treatment which people have been funding via the super route, that is when you need all your teeth replacing because they are terminal so this certainly fits the criteria.”
How long do I have to wait?
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The application process to access your super usually takes a few days to get together, then an estimated 10 to 14 working days for assessment.
Are there limitations on the amount of dental superannuation I can withdraw?
In a word, no! There are no restrictions on how much super you can withdraw. You are eligible to withdraw the amount required for your treatment, however large or small an amount it may be.
I don’t have sufficient super – Can I access another account?
Absolutely! If you don’t have sufficient superannuation left to cover the cost of your treatment it is possible to access the superannuation of your partner, spouse or other dependants as you see fit.
Dental superannuation – What it covers?
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Early release of your superannuation can cover a wide range of surgical dental treatments including…
Orthodontics
Dental implants
General dentistry
Endodontic therapy
Oral and maxillofacial surgery
Crowns
How much tax do you pay on early release of super?
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There are no special tax rates for a super withdrawal because of severe financial hardship. It is paid and taxed as a normal super lump sum. If you are under 60 years old, this is generally taxed between 17% and 22%. If you are older than 60 years old, you will not be taxed.
FOR MORE INFO
How do i access my super for dental? https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/early-access-to-your-super/
Can you access super for dental? https://accessmysuper.com.au/dental-funding/
When can I access my super? All conditions of release explained https://www.superguide.com.au/how-super-works/access-super-all-conditions-of-release
Early access to your super https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/early-access-to-your-super/
Dental Treatment Funding – Access My Super https://accessmysuper.com.au/about-us/
APPLY FOR EARLY RELEASE OF SUPERANNUATION ON COMPASSIONATE GROUNDS
https://ndh.org.au/debt-solutions/access-superannuation/apply-for-early-release-of-superannuation-on-compa/
Super withdrawal options https://www.ato.gov.au/Individuals/Super/Withdrawing-and-using-your-super/Super-withdrawal-options/
Early access on compassionate grounds https://www.ato.gov.au/Individuals/Super/In-detail/Withdrawing-and-using-your-super/Early-access-on-compassionate-grounds/
Early Release of Super for Dental Health https://mysupercare.com.au/our-services/dental/
Using my super for dental work ato – https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/early-access-to-your-super/
SUPERCARE https://www.youtube.com/watch?v=oo7Ymn3M54w&feature=emb_logo
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