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DENTIST IN MELBOURNE CBD

Dental Financing and Payment Plans

Paying for Dental Treatment in Instalments with interest-free Dental Loans

Thank you for choosing our dental practice for your care. As our patient, we are committed to you and your treatment. We will do everything we can to ensure that you receive personalized care and that your experience with our office surpasses anything you have ever experienced with any other dental office. We are proud that our fees reflect the time as well as the overall quality of care and service that we provide in our practice.

However, we know that people have different financial position and different needs in fulfilling their financial obligations. That’s why as well as offering the usual payment options, when the cost of anticipated dental work exceeds what you would like to place on your credit card or pay out of pocket, financing may be a better option.. We are pleased to offer several financing options or payment solutions to meet your needs and make routine dental care or a complete smile makeover more comfortable and affordable.

The payment plan enables our patients begin with their treatment immediately – then pay the cost of their treatment spread over time. It is an excellent payment option for elective cosmetic and/or emergency or general dental procedures.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

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We love improving Smiles too!

Flexible Payment Options

At Vogue Smiles Melbourne, we offer the following payment options:

  • We accept cash, eftpos, bank cheque and credit cards (Mastercard and Visa). We do not accept AMEX.
  • We offer payment plans for general, complex cosmetic and specialised full mouth reconstructive dental treatment.
  • We offer HICAPS that allows you to instantly claim on the spot from your private health insurance.

Affordable Interest Free Payment Plans with Dental Finance

While many of our new patients are attracted by the option of payment plans, they may often be pleasantly surprised to find that treatment will cost less than expected. However, if finance is a barrier to achieving your optimal dental treatment, we offers payment plans, allowing you to start treatment straight away.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

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GENERAL DENTISTRY SERVICES FREQUENTLY ASK QUESTIONS

Going to the dentist is probably not your favourite activity, but a big price tag can make dental care feel even more painful, especially if you have a neglected oral health, haven’t been to dentist for very long time or just simply in need of Smile transformation and full mouth reconstruction treatment.

If you’re having trouble paying for expensive but necessary dental care, you’re likely not alone. If you can’t afford to pay for necessary dental treatment upfront, Let’s look at what your options may be for dental financing.

Dental Payment Plans

Payment plans are essentially loans, which can support you in managing the high cost of dental treatment. Rather than paying for your dental work in an upfront lump sum, a payment plan allows you to pay in instalments over a period of time. It reduces the total amount that you have to pay for dental treatment, which will make your payment plan’s instalments even more affordable.

It is essential to get the dental care you need as soon as possible, because untreated issues often require more complicated, costly procedures in the future. Many approved dentists may be able to offer flexible payment plans, to help you manage the cost of your treatment.

What Dental Treatments Can Be Covered With A Payment Plan?

Payment plans can be used for a wide range of treatments, encompassing almost any work involving your teeth and gums or broader oral health. You can use a payment plan for general dentistry, including major treatments like root canals and dental implants. Plans can also cover cosmetic dentistry, including teeth whitening, crowns, and veneers, amongst many other procedures. You can use a plan for orthodontics, including all types of braces. Even less common treatments can sometimes be covered, including dental solutions for snoring and sleep apnoea.

However, be aware that dentists may only accept payment plans for significant procedures with high costs. Indeed, some plans are only available in thousand-dollar increments: minor procedures with low costs, such as check-ups, are unlikely candidates.

 

Personal loan

A personal loan can be used to pay for a range of personal expenses, which can include dental work and medical treatment. These loans are typically unsecured loans, which mean the lender doesn’t require any collateral to secure the loan. Because of this, the lender will typically consider many factors — including your credit history — to determine whether you’ll be able to repay the loan.

If you’ve got lower credit scores, you may end up paying higher interest rates or may be denied a loan outright.

Provider financing

Some dentists may also offer the opportunity to apply for payment plans and in-house financing through third-party lenders. The terms and details will vary based on each loan provider.

Alternatives to dental financing

If you don’t think you’ll qualify for dental financing or you’re worried about paying for the care that you need — even with financing — you can consider other options.

Ask friends and family for help

It can be uncomfortable to ask, but if you’re struggling to find financing and you really need dental care, turning to friends and family may be an option worth considering. They may be able to lend you money. Or, if they have good credit, they may be willing to co-sign on a personal loan or low-interest credit card, which may increase your chances of being approved.

Bonus tip: Tax break

If your necessary dental treatment is really expensive, you just might be able to claim a tax deduction for it. When tax time arrives, many Australian citizens are unaware that they could very well apply for a taxation rebate and consequently get some money back for their out of pocket net dental expenses.

So read on, learn and find out whether you’re eligible for a dental tax rebate in the 2012/13 financial year upon lodging your Australian tax return:

Am I eligible for a medical taxation rebate?

Net dental expenses are the medical expenses you have paid directly out of your pocket (after any health insurance or Medicare claims have been paid). If your medical expenses incurred in the financial year exceed $2120, you are entitled to claim a tax offset of 20% of your net medical expenses over $2120.

For example, for every dollar you pay after $2120, you can claim 20 cents back on each dollar spent. The good news is that there is no upper limit on the amount you can claim. The tax offset also applies to all medical expenses incurred for yourself and/or any dependents (partner and children).

What is a medical expense?

The Australian Tax Office regards payments to legally qualified doctors, nurses, pharmacies and both public/private hospitals as a medical expense. This means any payment to a dentist, orthodontist or registered dental mechanic qualifies as a medical expense; even if it’s a cosmetic dental procedure.

DISCLAIMER: Please note that this information is correct as per the Australian Taxation Office website and is intended to be taken as general information. It does not constitute as financial or accounting advice. Therefore, we encourage you consult a qualified accountant or your dentist to help determine the extent the medical taxation rebate could apply to your personal circumstance.

 

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

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.

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.

How does early Release of Superannuation (ERS) work?

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.

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.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

As part of a growing trend, more and more dentists are supporting payment plans, which are approved at their discretion.

Payment plans may be offered in-house by a dental practice itself, but are more commonly provided by third-party, specialised companies. Some of these third-party providers offer generic payment plans for any major spending (not just dental), including zipPay,  Openpay, and PayRight.  Other providers cater exclusively to dental health services, as with DentiCare, MySmilePlan, and MediPay. Regardless, all payment plans have the same premise, of allowing you to pay over time as opposed to a single lump sum.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

Like any loan, a payment plan is a commitment. If you are interested in commencing a plan, make sure you carefully discuss your options with your  dentist before you undertake any actual treatment.

The conditions of a payment plan are flexible, and often vary depending on the amount and duration of the loan. The time span for a payment plan is commonly 6 months, 12 months, or 24 months.  A deposit may or may not be necessary, and while monthly repayments are common, weekly and fortnightly options may also be available. If your application for a plan is approved, you will need to finalise its terms to suit your personal circumstances.

For an in-house plan:

If your dental practice offers in-house payment plans, you will need to inquire about their terms and conditions. The application process will differ for each practice, so make sure to check. Upon actually commencing a plan, you will simply make your repayments directly to the practice before each due date.

For a third-party plan provider:

If your dentist approves, you can set up a payment plan with a third-party provider. Providers have set frameworks to determine the conditions of your plan, which will affect your repayment amount and its frequency.

Some dental practices have a preferred plan provider, but if not, discuss with your dentist if you can choose your own and apply individually. Depending on the provider, your payment plan application may be a direct debit form or an online process.

If your provider and your dentist approve the payment plan, you can begin your dental treatment. The provider will pay your dentist in full on your behalf. Then, you will make your agreed repayments to the provider – often through an easy, automated process – until you have fully paid for your dental treatment.

Are There Any Additional Fees In A Payment Plan?

Aside from repaying your dental treatment itself, third-party payment plans will involve additional spending obligations. Start-up and account maintenance fees are common, and there are sometimes penalties for early or late repayments. Plans choose their own interest rates – however, many major providers are actually interest free, including DentiCare and MySmilePlan.

Many approved practices may be able to offer payment plans. However, before making decisions based on the right plan for you, make sure to source consistent and clear information. The information on this website serves as a guide, but it is best to contact the providers directly. When you start a payment plan, it is important to carefully read all of the terms and conditions, and keep an eye out for any hidden fees.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

Each payment plan provider has its own approval process and criteria to assess your eligibility. They may look at your credit score, income, and any history of tax debt. However, some major providers do not take credit checks at all, such as DentiCare.

Virtually all major plans require you to be 18 years or older, an Australian citizen, and able to prove that you are not bankrupt. You may also need to prove that you have a certain income in some capacity.

Temporary residents need to hold a visa that’s valid for at least the next 12 months

Information you may need on hand

We may ask you to verify your identity

e.g. Driver licence, Medicare card, Passport

We may ask for supporting info about your income

e.g. Electronically or by uploading documents

Other lender like Zipmoney will require your login details to your Bank account.

 

Some lenders main qualifying criteria is an income based, others are non-income based criteria. For patients who are retired or patients who does not have job but receiving a disability dole, or patients have no job but receiving a monthly income from a non-income based source are well suited to apply to a lender who’s main qualifying criteria is a non-income based. let us know your specific financial position so we could recommend a lender that would best suits you.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

ZIPMONEY / ZIP PAY      https://zip.co/healthcare

 

OPENPAY    https://www.openpay.com.au/how/

PAYRIGHT   https://www.payright.com.au/about-us/who-is-payright/

 

MYSMILEPLAN    https://mysmileplan.com.au/

MEDIPAY     https://medipay.com.au/dental-procedure/

LATTITUDE GEMVISA    https://www.gemvisa.com.au/

DENTICARE PAYMENT PLANS  Read more https://denticarepaymentplans.com.au/patients/

 

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

WITH NIFTY   https://www.niftypersonalloans.com.au/personal-loans/dental-loans/

CASH DIRECT    https://www.cashdirect.com.au/small-cash-loans-dental-loan/

SPOTTER LOAN   https://spotterloans.com.au/dental-loan/

CHAMPION LOANS   https://www.championloans.com.au/PersonalLoans/DentalLoans-380/

JACARANDA FINANCE  https://www.jacarandafinance.com.au/personal-loans/dental-loans/

SMILE PLAN   https://www.nationaldentalcare.com.au/smilefund

AUSTRALIAN LENDING CENTRE   https://www.australianlendingcentre.com.au/personal-loans/dental-loans/

SAVVY DENTAL LOANS   https://www.savvy.com.au/personal-loans/dental-loan

SMILESFIRST  https://www.smilesfirst.com.au/payment-options/

LEADING EDGE DENTAL    http://www.leadingedgedental.com.au/finance/

 

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

CRISIS AND SPECIAL HELP FROM THE GOVERNMENT

https://www.servicesaustralia.gov.au/individuals/subjects/crisis-and-special-help

OPTIONS FOR PEOPLE ON CENTRELINK PAYMENTS -CENTERLINK LOANS

Centrelink loan options

 

ACCESSING MY SUPER FOR DENTAL WORK -DENTAL TREATMENT FUNDING

 

https://accessmysuper.com.au/dental-funding/ Early Release of Super for Dental Health  https://mysupercare.com.au/our-services/dental/

 

DISCLAIMER:  The abovementioned links provided are not recommendations. It is but to provide you help  with links on your initial research for you much needed dental treatment.  There are more other sources and options as you do your research which are not mentioned here. You have to see and assess for yourself which of those sources better suits you in your specific  financial position.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

zipmoney 

More information: https://help.zip.co/en

Create and Account or Start Application:  https://my.zipmoney.com.au/?m=bed055e5-95cb-451f-8d6a-8b10835591ee#/

 

OPENPAY 

More info https://www.openpay.com.au/shop/?CategoryID=209006&PageSize=20&Keyword=vogue%20smiles%20melbourne

Start Application:  https://www.openpay.com.au/how/

 

MEDIPAY

More Info:  https://medipay.com.au/how-it-works/

Start Application:  https://medipay.com.au/apply-now/

 

LATTITUDE GEMVISA

More Info:  https://www.gemvisa.com.au/

Start Application: https://cardapp.latitudefinancial.com/apply/gem/?cardType=gemvisaau&gemid2=gemvisa-web%3Ahome%3Ahome%3Aapply-now%3Aheader#/Intro

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

This payment plan is ideal for patients who have smaller, non-urgent treatment plans, it is self-managed and straight forward.

Many of us have used or have heard of, the layby system that the larger department stores have, this payment plan works in a similar fashion.

We open a file or account for you within our dental software and whenever you get some spare money you transfer it into this account. Once you have sufficient funds for your treatment, we will go ahead with the work.

It is totally up to you how much and how often you want to pay. No finance companies are involved and no credit checks are required. This is an easy way for patients to save up for their dental treatment.

How it works:

 

STEP 1  Book an initial consultation

A fully paid consultation (and x-ray if you still have teeth) is required to establish the extent of treatment and the final figure.

STEP 2  Choose your service

During the initial consultation, your dentist will advise and guide you in order to choose the service targeted to your needs and budget.

STEP 3 Choose your Dental Layby duration.

You can choose to spread your treatment over 3, 6, 9, or 12 months.

STEP 4 Choose the instalments frequency

You can set up your instalments weekly, fortnightly or monthly* according to your income and budget.

STEP 5  Agree to your treatment plan.

Depending of what kind of treatment is involved, there are 2 ways of starting the treatment.

For a treatment such as Porcelain Veneers, Crown and Bridges, the work will be started after you completed a full amount.

For a treatment where it involves a combined restorative and Cosmetic treatment plan, your full treatment plan will be divided into 2- 4 major payment milestones. Each milestone has a target payment cost that must be paid off in order to activate them. Once activated, we will complete all work associated with that milestone. As you continue to pay off each milestone, we’ll continue to complete the dental work associated with that milestone until all milestones are completed, the treatment plan is finished according to your Dental Layby Agreement.

 

Dental LayBys is Subject to these terms and conditions :

  1. Payments options that we accept
  2. Bank Deposit Transfer.

Every time you completed the payment, send us quick email letting us know you have made the deposit with a screenshot of transfer receipt  to ensure your account is updated as quickly as possible.

  1. If you choose to pay by credit card, you authorise us to debit the amount that is payable from your nominated credit card in accordance with the Payment Schedule on the specified payment dates.

If we are unable to successfully process any of your credit card payments, we will give you  a ring and to organise payment of the outstanding amount on some other dates.

Once we received bank transfer payment or process your credit card payment, we will send you an invoice by email.

 

  1. Health insurance

Your health insurance can be used in conjunction with your Dental Lay by plan.

At your initial consultation, we’ll develop a treatment plan that we can use to define how much your health insurance will cover. The difference between the total treatment cost, and what is covered by your health insurance will become the new total amount of your Dental Lay by that you’ll pay over your chosen Dental Lay by duration.

All Dental Lay by monies must be collected in full before completing final treatments associated with your treatment plan.

 

3. Cancellation

If you wishes to cancel your Dental Lay by agreement, you  needs to visit the our clinic, and request a cancellation, and confirmation of this cancellation will be provided, along with any refunds you are entitled to.

4. Refund

If you cancels your Dental Layby, you will be entitled to a refund. The amount you are entitled to will depend on what, if any, payment milestones/treatment  have been activated or done. The customer will only be refunded the amount they have paid towards a milestone that hasn’t been activated/reached. For any payment milestones that have been activated where treatment has been completed, that money is paid to us for the associated treatment.

  1. Cancellation Fees and Charges

If the payment was process through Credit cards, you will be charge with the total merchant fee to transact your credit card payment.

If payment is done through Bank transfer there is no payment charges

Both payment method will incur a $30 per month admin fee

 

6. Agreement

Patient must sign the Dental Layby Agreement to acknowledge these terms and conditions.

  1. If there is a significant change on your oral conditions than what was initially diagnosed, extra charges will apply and be added on your dental laybys or be paid separately

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

Efficient and easy payment processing

We utilizes HICAPS, a simple and easy way to process payments for your private health fund claims, Medicare claims and lodgement of Worksafe Victoria claims.

HICAPS is an electronic health claims system that allows members of ACA Health Benefits Fund to claim automatically on the spot whilst they are at our dental practice. All it takes is a swipe of your ACA Health membership card through our HICAPS machine.

Using HICAPS will save you time, as you will no longer have to lodge your claim via the post. And, more importantly, you will save money because you won’t be out of pocket during the time it takes to claim your benefit.

Feeling insecure with your smile?  Looking for the Best Cosmetic Dentist in Melbourne for your  Smile Transformation Treatment?  VOGUE SMILES MELBOURNE Dentist have the passion, expertise and dedication to provide exceptional Cosmetic Dentistry treatment. Call 9629-7664 to book for your FREE mini cosmetic consult.

 

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